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Review of the One Call Insurance, Car Insurance Broker:

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FRAUDS! THEY USE THEIR OWN GARAGE TO TRY AND WRITE OFF YOUR CAR TO MAKE MONEY

If you want your mental health to fall in to a deep black hole then get car insurance with One Call Insurance/One Insurance/OC Motors! Whatever they want to call themselves!! I had a little accident over Christmas, hitting a wooden post and barbed wire. When I put my claim in, first claim and accident in nearly 23 years of driving I have totally fallen victim to fraud at its best and a massive scam to make money off me! In a nutshell I have had to withdraw my claim and my Dad and Brother DROVE my car from the repair garage that the insurance broker conveniently also own (OC Motors Reading!) After they told me my car is a CAT N write off as the repairs will cost in excess of £15,700!!! Conveniently the market value of my car is £16,000!!! They also valued my car at £11k before trying to take 16% off that value because I apparently didn’t declare 3 points were on my licence for a minor speeding fine from 2021! After arguing the toss over live chat (ironically one call insurance you can’t call! Everything is done over live chat) for over two weeks, repeatedly telling them I had categorically disclosed my points and asking them for evidence that to confirm I hadn’t declared information, they provided none and concluded they would still be taking 16% off my claim! All dealt with by their complaints company One Insurance…which is registered in Malta! Now, on to the fact that my car is absolutely not a write off by any stretch! This company, after demanding they send me a FULL breakdown of the estimate provided by their very own garage…they have tried to add items that were not even slightly touched! I hit everything on the driver side, the front bumper. The recovery guy drove it on to the back of the truck fine, no leaking, no strange sounds and no warning lights, and checked underneath…”there is no damage to the parts, it’s all cosmetic” According to this estimate, apparently I need new head lights both sides, new number plate, new back bumper, new exhaust, new sump, new side mirrors both sides…the list goes on! If I hadn’t taken photos of the car at the time I had the accident you would take from this estimate that the car had been hit by artic lorries, from both sides and front to back! and all in excess of £15k!!! They are absolute frauds! Refused to provide me with the courtesy car I have been paying for on my policy! I have since been quite frantic, in a complete mental and emotional whirlwind, Googling this company and wish I had done this before taking out insurance with them! They were fined just under a million pounds (including the sole shareholder personally!) in 2018 at the by the FCA for using client money to pay the shareholder, directors and fund their Malta based company…the same company who have incidentally dealt with my complaint! I have of course escalated this to the financial ombudsman and money supermarket but have had no choice but to retract the claim and try and get the car repaired myself…at the real cost! Or lose my car to a fraudulent write off and be in debt with the finance company! The fact that I have been paying insurance for more than half of my life and the one time I need to call on it I am completely duped and scammed! Reviewed on: 21st January 2023

Review of the One Call Insurance, Car Insurance Broker:

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Easy and Informative

This is the best insurance company I have used to date. My policy was easy to set up and the communication from them is great. Reviewed on: 8th October 2021

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