Never again.
Car was stolen, pretty straightforward theft. Was assured that after two weeks the car would be deemed a loss if the police don't find it, and then about a week after that, the valuation etc. would be done. Fine, all good. Two weeks goes by, I call them up: Oh sorry sir, you were misinformed - it's three weeks before it's declared a loss. Annoying, but I can live with it.
Sent in my keys and V5 and the signed claim form etc. by recorded delivery, all received fine. Three weeks goes by... Phone them again: "Thanks Sir, we're looking at it this week". A week later: "Sorry Sir, yours is number three in the queue. We'll get to it today". A week later: "Sorry Sir, I'll chase up and find out what's happened. I'll call you back". No call back. A few days later, they finally process the claim. Keep in mind this is now about 5 weeks after the car was stolen and I've been without a car this whole time (no courtesy car for a stolen vehicle - bet you didn't spot that in the policy terms!).
Finally the claim is accepted. It then takes another week of daily harassment before they value the car. They then try to lowball me by about £5k. Finally settle on a figure I'm not overly happy with, because, to be frank, I've lost the will to live now.
And then the kicker: despite the car clearly being on private plates, they didn't tell me I needed to do the plate retention form with DVLA until now. The problem is I need a V5C to do this, which I sent to them... And they've lost my V5C, saying they never received it (despite having signed for the delivery).
So now I have to reapply for a V5C (£25), and then finally retain my plate, and then send the V5C to them so they can close down the claim. Meanwhile I'm still paying my monthly premium, unless I want to sacrifice my private plate.
The irony of them calling themselves One Call is quite hilarious though. I think I'm genuinely up to about 80 calls during the course of this debacle now.
Absolute farce. Just pay a bit more and go to a proper insurance company. Complete joke from start to finish.
Reviewed on: 9th July 2021
