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Review of the One Call Insurance, Car insurance broker:

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Be VERY Careful - Took Ombudsman to Resolve

I insured my family car (fully comp) through One Call Insurance as they appeared competitive. I was involved in a collision and given a settlement value for write off which was agreed but days later cut by approx two thirds as they’d made an error. I disputed this and then my insurance was declared void, effectively making me uninsured and liable. They cited a 'modification' which was in fact a straight swap, consumable service part. Staff would not listen and directors ignored my letters. From the Ombudsman's Final Decision; 'One Insurance originally explained that any part fitted to a car that was not a factory fitted part constituted a modification ... if this were correct, most cars wouldn’t be insured given the routine changes numerous car parts go through during a car’s lifetime of MOT’s, services and repairs as well as tyres changes – many with non-factory fitted parts' The real test of any company is when you are in a fix and need their help. In my experience this company appeared to take gleeful pleasure in throwing me to the wolves as though I'd been uninsured when they were challenged. This was a terrifying experience for 18 months and potentially left me exposed to many thousands of pounds of expense. Be very careful who you insure with and look for reviews from people who can say more than, “they were all very lovely when they took my premium”. You can also read ombudsman decisions to explore how some insurers cut up rough when it suits them. Reviewed on: 23rd June 2023

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