One Call Insurance - Frequently asked questions

Frequently Asked Questions

If your question is not answered here, please contact customer services on 01302 554 015 Open Mon - Fri 9am-5:30pm, Sat 9am-5:30pm, Sun 10am-4pm.

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Are you a new customer looking for which documents you need to send us?
See: Insurer Requirements

Who is Premium First (PF)?: Premium First are the Direct Debit provider for One Call, they are owned by Creation Finance. Any payments made will show One Call on your bank account but their name will appear on letters they send to you relating to your Direct Debit.
When is DD due from my account?: 1. New Business – once the deposit has been taken the first payment will be collected 18days later.
2. Renewals – 4 days from the renewal date
Why does the DD date have to be 18 days after inception?: As One Call offer such a low deposit (lowest in market place) the next payment is set for 18 days later, this also allows us to collect over 11 months making the monthly payments smaller.
Why has DD amount changed?: Usually something has changed on your policy which has resulted in an additional premium.
How do I pay my default payment?: can ring Premium First (PF) directly to make payment or pay to us over the phone and we will forward the payment to PF, provided the agreement is still running.
Why is there a £15 fee for default?: Due to the process involved PF apply an administration fee which covers letters etc for bringing the payment upto date.
Can I change my DD date is there a charge?: PF will allow 1 change to your DD date at no charge, but subsequent changes will result in a £10.00 fee. The change can only be made once the first payment has cleared and the account is up to date. There must also be 7 clear days either side of a payment.
Why on my mandate from PF does it state they are giving me credit I just want to pay a DD not lend any money?: PF are a finance company, however you are not entering into a finance agreement. One Call are paid by PF in order to forward the insurance premium onto your insurance company and you pay the agreed repayment amount to PF each month.
When will I get my refund?: From the date of cancellation this can take upto 6 weeks, OC work on a monthly statement with each of our insurers and no refund is issued until we have received it from the insurer. Prior to any refund being issued you must have returned your insurance certificate and have the vehicle insured with another company/sorn/written off. ?

How do I make a claim?: If you are involved in an accident or if your vehicle is damaged, stolen or vandalised you will need to call our Claims department on 0845 344 0199. You must stop if you are involved in any incident. If you own the vehicle, you must give your name, address and insurance details to anyone who has a good reason for asking. If you do not own the vehicle, you must give the owner's name and address and the registration number of the vehicle. Do not apologise or admit fault. Please collect the following information to give to the One Call Accident Helpline as this will help us speed up your claim; full details of the other driver(s), phone numbers, registration numbers as this information will allow us to contact anybody else involved. You also need to make a note of injuries caused, witnesses, police officers and report references. We will then provide you with the support and information you will need to get your vehicle back on the road as quickly and safely as possible.
Can I claim on my car insurance policy if my vehicle is hit by an uninsured driver or by an unknown driver?: You can claim on your policy if your vehicle is hit by an uninsured or unknown driver providing your policy is comprehensive. This will affect your NCD unless we can claim our costs back from the Motor Insurance Bureau. Please call our Claims department for more information on 0845 344 0199.
Do I have courtesy car entitlement?: This depends on level of cover given by your insurer. Typically on comprehensive policies, you will have a courtesy car as long as vehicle is repairable and whilst the vehicle is having repairs done. This is subject to availability and full details of your entitlement can be found in you insurers' policy documents.
In the event of a claim, how will my no claims bonus (NCB) be affected?: This varies depending on your insurer. Typically it can be reduced by two years unless you have protected NCB. If a claim is settled as 'non-fault', then NCB will be reinstated.
If vehicle is 'written-off', what will happen with the policy?: This varies depending on your insurer. Typically 14 days notice is given to replace the vehicle on the current insurance, or the policy will be cancelled.
What happens if my policy is cancelled after a claim is made?: If you are paying by Direct Debit or another payment plan and have only paid a proportion of the premium then you will be required to pay the full amount outstanding. If the premium was paid in full, no refund will be given.
What happens if my car is stolen?: As soon as the theft is discovered you should report the theft to the nearest Police Station and obtain a crime reference number. Then you should contact our Claims Team on 0845 344 0199 who will take the details from you and progress your claim.

In order to protect our customers against fraud, a number of insurance industry database checks designed are carried out.
Do I need to contact the police after an incident involving my car?: If you are involved in an accident which has caused injuries to another person then you should report the accident to the police. If your car has been stolen then you should report the theft to the nearest Police Station as soon as it has been discovered to obtain a crime reference number.
What is a total loss?: Total loss may be different for each insurer. Typically it is defined as being when the cost to repair any damage exceed the market value of your car or a proportion of its market value. In these cases it is beyond economic repair and is often referred to as a total loss.
What happens if the other driver disputes the accident circumstances?: When representing you we will do our very best to persuade the other driver, or their insurer, that the accident was their fault. This is done by presenting them with all the evidence that you have provided us with and that we have gathered.

We will always act to defend your position, but if the evidence does not fully support either driver's version of the incident, everybody involved may have to take some responsibility. If this instance we will negotiate the best possible settlement with the other driver.

I have an EU issued driving licence which does not have a counterpart, what information do I need to send you?: If you are driving in Great Britain (GB) on a licence issued in a European Community/European Economic Area (EC/EEA) country, you will not have been issued with a paper counterpart. You only need to send us copies of the front and reverse of your photo card driving licence for each named driver on your policy.More information on driving in GB on a foreign licence.
I haven't received my documents yet. Why?: We issue all policy documents including the certificate of insurance within 3 working days to the email address provided by you when you purchased the insurance. If you are insured with Service, your documents will be posted to you within 3 working days. Please check your email inbox and junk mail. If you would prefer a hard copy of your policy documents there is a fee of £5.99. If you haven't received your documentation or if you would like a hard copy, please fill out an online request.
Where can I request my policy documents?: If you haven't received your documents or if you would like to request a hard copy or replacement of your certificate, please fill out an online request . For a hard copy or replacement of your documents there is a £5.99 charge which will be applied to your account. We apply no charge for issuing your documents via email.
Why do I need to send my driving licence?: You will be advised either by letter or email if we require a copy of your driving licence, this is due to regulations set by certain insurance underwriters. In order to comply with these regulations we need a copy of the counterpart and photo card licence for all drivers on the policy. This can be sent to us via email to returned.documents[at]onecalldirect.co.uk or post to Freepost, PO BOX 664, Doncaster, South Yorkshire, DN1 1WA. If you do not provide a copy of your driving licence an additional premium may be added to your account.

What is One Call doing to prevent fraud?: We are taking many precautions to protect customers from the effects of escalating fraudulent activity. We have a dedicated fraud team who work in partnership with other One Call departments as well as external organisations such as the MID, DVLA, MIB and the Insurance Fraud Bureau.

All staff are trained to detect the characteristics of fraudulent activity and have a defined route to escalating any concerns they have about a policy to the fraud team.
I have heard that One Call operates credit scoring, what is this and why do you do it?: Credit scoring is another way that we can protect our customers from the effects of fraudulent activity and may be carried out both prior to and after the policy has been incepted. It is not purely based on your credit status its draws on a number of different databases, such as electoral role, birth records, fraud bureau database for example.

Some insurers will give better rates to customers who allow a credit check to take place, this does not cost you anything and the result will not end in your premium increasing.
Am I covered for commuting?: Please refer to your certificate of insurance. Some insurance underwriters extend the policy to cover commuting but this requires you to commute to one single place of work without using the vehicle for business purposes. If you commute to various places of work and use the vehicle for work purposes then you will need to change your level of cover to business use. You can do this via the change car use link on our website.
Can I insure two cars at the same time?: We are able to extend your policy to cover more than one vehicle on a temporary, short-term basis. You can do this by submitting an online form via the add a temporary car link on our website. If you need cover for the additional vehicle on a permanent basis, you would need to undertake a second policy via the get a quote link on our website.
Who is my breakdown membership provided by?: Your breakdown membership is provided by One Call Recovery. We also offer home start and roadside recovery. For more information please refer to the Car Insurance Information Booklet for the full terms and conditions of our breakdown membership.
Where do I find more information about my legal/breakdown membership?: You can find out more information about both your legal and breakdown membership by referring to your Car Insurance Information Booklet for the full terms and conditions.
How can I upgrade my legal/breakdown membership?: You can upgrade your legal and breakdown membership by sending an online request via the contact customer services link on our website. For more information on what each upgrade includes please visit Breakdown Membership.
What is voluntary and compulsory excess?: The excess of a policy is what you pay in the event of a claim being made. The compulsory excess is what the insurer requires you to pay in the event of a claim whereas the voluntary excess is a sum that you agree with your insurer to reduce your premium. Both of these excesses can be found on your schedule of insurance and added together is what you pay in the event of a claim.
Can I drive someone else's car?: To drive someone else's car on your policy is dependent on the regulations set by the insurance underwriter. Please refer to your certificate of insurance to establish if you are eligible to drive another vehicle. If you are eligible to drive any other vehicle as advised by your certificate of insurance, you must be the policy holder, your level of cover will be third party only and it must be with the vehicle owner's permission.
I have comprehensive cover, is my windscreen covered?: Please refer to your schedule of insurance to establish if you receive windscreen cover, windscreen excess applies which will also be noted on your schedule.
Can I cancel my policy?: Within the first 14 days from receiving your policy documents or the policy start date you may cancel your policy under the cooling off period. This is provided that you cancel your policy and return all documentation within 14 days of receiving your policy documents or the policy start date, whichever is the latter, along with a written explanation. All insurers have a right to apply a “policy time on risk” charge. One Call Insurance will apply a charge of £49 in addition to any insurer charges to cover the cost of setting up your policy in accordance with our terms of business. After this period we will cancel your policy on a Short Rate basis, full details can be found in our main terms and conditions. Where you have received your certificate via email there is no need to return this however once the policy is cancelled it is no longer legally binding. Where you have received your documentation through the post you must return all hard documentation including the certificate of motor insurance and a written cancellation request. Please refer to our Car Insurance Information Booklet for full terms and conditions.
How can I make a complaint?: If you wish to make a complaint regarding the service that you have received please contact our customer services department on 01302 554015. If they are unable to resolve your complaint you can request a copy of our Internal Complaints Handling Procedure where we advise that you follow the procedure to ensure your complaint is dealt with promptly. Please note your complaint is not valid if it is not reported to One Call Insurance in the first instance. Please forward any reported complaints to Complaints Handling Manager, One Call Insurance Ltd, First Point, Balby Carr Bank, Doncaster, South Yorkshire, DN4 5JQ.
When insuring a car, do I have to declare claims and convictions even though I got them driving a motorbike or van?: You have to declare any claims and convictions that you have received on your driving licence, whether you received them on your motorbike, car, van or any other type of motor vehicle.

Who does my home emergency cover, legal cover, and accidental damage?: These benefits are provided by One Call Insurance.
Who deals with a claim with my home insurance?: In the event of a claim, you should contact us, One Call Insurance. Our dedicated claims team are available 24 hours a day, 365 days a year on 0845 3440199.
Do I receive any documents from my insurance provider?: As your broker we provide you with all of your insurance documentation. A copy of your insurers' policy booklet is available to download from the 'Existing Customers' section at www.onecalldirect.co.uk.
Where can I find my excess?: Please refer to your Schedule of Insurance for the breakdown of your excess which is what you are required to pay in the event of a claim.
Where can I find my policy booklet and terms and conditions?: You can download One Call Insurance's and your insurer's policy booklets online at www.onecalldirect.co.uk and follow the Existing Customer section.
Where can I find my policy documents?: All policy documents are sent via email unless you request a hard copy to be posted to you for a fee of £5.99. If you haven't received your documents or if you would like to request a hard copy please fill out an online request form. If you would like to request a replacement certificate a charge of £5.99 will be applied to your account. We apply no charge for issuing your documents via email.
Can I specify an item on my policy?: You can specify an item on your policy at inception or if you policy has already come into effect then please email enquiries[at]onecalldirect.co.uk with this request.
How can I add my mortgage lender to be named on the policy documents?: To name your mortgage lender on your home insurance policy, please make an online request via the contact us page on the existing customer section on our website or email enquiries[at]onecalldirect.co.uk
Why are you asking for a valuation form or receipt?: If you have specified an item that is of high value on your home insurance, you need to provide a valuation or a receipt of that item for proof of value.
What is a home security check?: In order to make sure all of our home insurance customers have the best possible security we have teamed up with One Lock UK who have appointed a UK-wide team of qualified locksmiths, who are fully approved and checked against the Criminal Records Bureau to carry out home security checks exclusively for One Call home insurance customers.

When you buy a home insurance policy with us, our local locksmith will contact you within the next 14 days to arrange a convenient time to visit your premises and assess the security of your doors, windows and any other areas which may pose a risk to the security of your home. The home security check is free, optional and without obligation.
Do I have to have a home security check?: The free home security check forms part of the product you are buying when taking out home insurance with One Call. You will be given the opportunity to opt of the check when buying online or over the phone. If at any point you would like to opt back into having the free home security check then please contact us.
What are the benefits of having a home security check?: Quite often PVCu doors are fitted with locks that are prone to cylinder bumping or snapping techniques that are often used by thieves to enter homes. This technique leaves no visible sign of forced entry and could cause problems with insurance claims. The free home security check has been designed to give you that peace of mind that your home is secure and less likely to be subject to a burglary.
What are the benefits of having a home security check?: Quite often PVCu doors are fitted with locks that are prone to cylinder bumping or snapping techniques that are often used by thieves to enter homes. This technique leaves no visible sign of forced entry and could cause problems with insurance claims. The free home security check has been designed to give you that peace of mind that your home is secure and less likely to be subject to a burglary.

The security checks are completely free and you will be under no obligation to buy any of the recommended products or services.

The locksmiths appointed by One Lock UK are all checked by the Criminal Records Bureau to carry out home security checks exclusively for One Call home insurance customers.
What types of locks are resistant to cylinder bumping?: One of the locks that could be recommended is the Gege Pextra24 Euro Cylinder which carries the Secured by Design and is approved by the UK police force.

If your doors are fitted with conventional locks which are prone to bumping or snapping, the approved locksmith may recommend that you are fitted with the Gege Pextra24 Euro Cylinder.

This lock carries the seal of approval, meaning that it is approved by the UK police force because it is designed to high security standards and is an effective method of preventing burglaries.
Will having a home security check reduce the cost of my insurance?: At present home security checks are not considered by insurers when calculating your premium however, we at One Call will be encouraging our panel of insurers to consider homes that have had a security check to be a potentially safer risk, so it may result in premiums reducing in the future.
Why have I had a phone call arranging a home security check, how did Onelock UK get my details?: All home insurance customers, when buying their policy online or over the phone were given information about the free home security check and had the opportunity to opt out of receiving a call from one of Onelock UK's representatives. If you do not wish to have a free home security check please contact us on 01302 554015.

Do I have protected no claims bonus?: Every customer qualifies for the One Call No Claims Bonus Guarantee if you have 1 year no claims bonus. This guarantee allows you to make 2 fault claims in a 3 year period. In the event of a fault claim occurring, One Call's No Claim Discount Guarantee will ensure that your renewal premium will be quoted at 10% below the best protected rate on the market.
If you find a cheaper quote for the cover you require elsewhere, we will price-match it and offer you a further 10% discount (a copy of the alternative quotation will be required). Please refer to the One Call information booklet for more information. Insurers protection can be provided at extra cost.
Why do my documents say that I don't have insurers protected no claims?: When you undertake a policy with One Call Insurance it states on your documentation that your no claims bonus is not insurer protected. This is because your no claims are guaranteed with One Call, your broker and not your insurance underwriter. On the same document it also states that you have received the One Call No Claims Bonus Guarantee, this guarantees your premium and also allows you to make 2 fault claims in a 3 year period. Please refer to the One Call information booklet for more information.
Will my One Call NCB Guarantee still apply if I leave One Call?: The No Claims Discount Guarantee is a One Call Insurance benefit and does not form part of your contract with your insurance underwriter. We will issue you with confirmation of the number of year's discount we matched in the issue of your renewal premium but you will no longer have the One Call NCB Guarantee. For more information please refer to the One Call information booklet. The insurance underwriter will provide you the stepped back amount if you claim.
Do I need to send One Call proof of my No Claims Bonus?: You need to send proof of your no claims discount as soon as possible. This is essential to validate your car insurance. This needs to be your most recent renewal notice or a letter from your previous insurer confirming the proof of no claims discount. You can send this via email to returned.documents[at]onecalldirect.co.uk or post to Freepost, PO BOX 664, Doncaster, South Yorkshire, DN1 1WA. If you do not provide proof, your discount may be removed and an additional premium could be added to your account.
What do I need to provide as proof of my No Claims Bonus NCB): You need to provide us with your most recent renewal notice or a confirmation letter from your previous insurer that states the amount of discount that you have in years. If you do not provide us with this proof, the discount may be withdrawn and an additional premium could be added to your account.
I can't get proof of my no claims bonus from my previous insurer.: If you are unable to obtain proof from your previous insurer, please fill out this online form with your previous insurer details. We will then contact them on your behalf for verbal confirmation. If you do not provide us with this proof, the discount may be withdrawn and an additional premium could be added to your account.
How do I get proof of my NCB from One Call?: To receive your proof of no claims bonus from One Call Insurance your policy must be inactive. You can request this proof of no claims here: 'request documents'. Once your insurance policy has lapsed, the proof of no claims bonus can then be issued to you.

Payment

How do I get a refund?

Once you have cancelled your policy and have had an advisor confirm a return premium it could take 6-8 weeks for the refund to reach you as the insurance underwriter has to process the refund before we can then issue it. The certificate of insurance also needs to be returned to us in order for the refund to be processed. Please contact our Accounts department on 01302 554014 or refer to our Car Insurance Information booklet for full terms and conditions.

Who is Creation Finance (previously named Premium First)?

Creation Finance (previously known as Premium First) is the Direct Debit provider for One Call Insurance. Any payments made will show One Call on your bank account but their name will appear on letters they send to you relating to your Direct Debit.

When is Direct Debit due from my account?

New Business – once the deposit has been taken the first payment will be collected 18 days later.
Renewals – up to 5 working days prior to your renewal date

Why does the Direct Debit date have to be 18 days after inception?

As One Call offer such a low deposit (lowest in market place) the next payment is set for 18 days later, this also allows us to collect over 11 months making the monthly payments smaller.

Why has Direct Debit amount changed?

Usually something has changed on your policy which has resulted in an additional premium.

How do I pay my default payment?

You can phone Premium First directly (Also known as Creation Consumer Finance) to make payment , pay us over the phone and we will forward the payment to PF, provided the agreement is still running.

Why is there a £15 fee for default?

Due to the process involved Premium First (Also known as Creation Consumer Finance) apply an administration fee which covers letters etc for bringing the payment upto date.

Can I change my Direct Debit date. Is there a charge for this?

Premium First (Also known as Creation Consumer Finance) will allow 1 change to your Direct Debit date at no charge, but subsequent changes will result in a £10.00 fee. The change can only be made once the first payment has cleared and the account is up to date. There must also be 7 clear days either side of a payment.

Why on my mandate from Premium First (Also known as Creation Consumer Finance) does it state they are giving me credit I just want to pay a Direct Debit not lend any money?

Premium First are a finance company, however you are not entering into a finance agreement. One Call are paid by PF in order to forward the insurance premium onto your insurance company and you pay the agreed repayment amount to PF each month.

When will I get my refund?

From the date of cancellation this can take up to 8 weeks, OC work on a monthly statement with each of our insurers and no refund is issued until we have received it from the insurer. Prior to any refund being issued you must have returned your insurance certificate and have the vehicle insured with another company/sorn/written off.

How do I change my vehicle?: To change the vehicle on your policy, please fill out the relevant form via the make policy changes link on our website. Making alterations to your policy could result in an additional premium. The changed details will be quoted within our system and you will be sent an email requesting confirmation and payment of the alteration.
How do I change my address and contact number?: To change your address and contact number on your policy, please fill out the relevant form found in 'make policy changes'. Making alterations to your policy could result in an additional premium. The changed details will be quoted within our system and you will be sent an email requesting confirmation and payment of the alteration.
How do I change my name on the policy?: To make changes to your name, marital status or occupation, please send an online request via the contact us link on our website. Making alterations to your personal details on your policy could result in an additional premium. The changed details will be quoted within our system and you will be advised if there is an additional premium to be added to your account.
Can I add business use to my policy?: To add business use to your policy, please fill out the online form via the change car use link on our website. Making changes to the use of your policy could result in an additional premium. The altered use will be quoted within our system and you will be sent an email requesting confirmation and payment of the alteration.
If I have comprehensive insurance am I covered to drive in Europe?: To establish whether you are covered to drive in Europe, please refer to the individual insurance underwriter's terms and conditions which can be found via the information booklet link on our website. Being eligible to drive your vehicle in Europe on your insurance policy is dependent on the regulations set by the insurance underwriter. If you are unsure of who your underwriter is, please refer to your certificate of insurance or schedule.
Can I temporarily add a driver to my car insurance?: If you temporarily wish to add a driver to your policy, please fill out the online application via the add a driver link on our website. You will need the full details of the additional driver to do this. The additional driver details will be quoted within our system and you will be sent an email requesting confirmation and payment of the alteration. The charge to add the driver will be dependent on the details of the risk.
Why is my premium so much, is it because of my postcode?: The premium we quote you is based on a number of different factors which may include, for example; age, type of vehicle, number of claims you have made and your postcode. Our panel of insurers use all of the details you provide when requesting a quote to calculate what level of risk your policy could present should you have to make a claim. One Call Insurance is a broker and we represent a number of different insurers who all have their own criteria for measuring insurance risks.

Renewals

What happens at renewal?

A renewal pack will be issued to you three weeks before your policy is due for renewal. This quotation will be based on the information you provided to us previously and will contain your renewal confirmation and include the cost of renewing your policy. It is your responsibility to let us know about any change in circumstance as any changes could effect the policy terms or premium. If you pay for your insurance via Direct Debit, we will automatically renew your policy and issue confirmation in writing along with your new insurance documents approximately 1 week before your renewal date. If you are paying in full by credit/debit card, we will debit the account from which you paid for the original policy with the full amount of your renewal premium on your renewal date. Please refer to our Car Insurance Information Booklet for full terms and conditions.

Why does it state my direct debit is for 36 months?

This is because we have included a 3 year price guarantee for all Direct Debit customers. Therefore, providing that you do not make a fault claim and if your circumstances stay the same, we will guarantee the price of your policy for the next three years. Your policy will continue at the new rate for a further 2 years covering you against insurance rate increases, tax increases and general inflation. If any mid term adjustments or non disclosure of claims/convictions are discovered your annual premium will be recalculated to take into account the new risk details. At the end of the first and second year of your policy we may also change the insurance underwriter in order to offer a competitive price.

Will my car insurance be automatically renewed?

If you pay for your insurance via Direct Debit, we will automatically renew your policy and issue confirmation via email along with your new insurance documents, approximately 1 week before your renewal date. Your Direct Debit collections will continue from up to 6 days after your renewal date.
If you are paying in full by credit/debit card, where we hold valid details we will debit the account from which you paid for the original policy with the full amount of your renewal premium up to 5 days before your renewal date.

If we are unable to take a payment in full, we will take 3 consecutive monthly instalments. The first payment will be taken 5 days before your renewal date and the remaining payments will be taken on the same date in the following two consecutive months.
If we do not hold valid Direct Debit or credit/debit card details we will not automatically renew your policy - you will need to contact us to renew the policy prior to the renewal date, You can do this by calling our Renewals team on 01302 554 010 or making a payment online by visiting the ‘Existing customer’ section at www.onecalldirect.co.uk.
Where we intend to automatically renew your policy, we will inform you on your renewal invitation at least 21 days before your renewal date. If you choose buy your renewal online, please note that the £25.00 renewal fee is not included in the online price but that this fee is still payable.

How long before renewal will I receive my notice of the renewal and the price?

We will send your car insurance renewal terms by post 21 days before your policy is due for renewal. We hold the right to refuse renewal terms without explanation provided that we send notice within 14 days of the renewal date.

If I am paying by Direct Debit at renewal what will the direct debit date be?

If you are paying for your insurance via Direct Debit, we will automatically renew your policy and the Direct Debit collections will continue from your renewal date.

I have just received my renewal notice, what is a Price for Life?

At One Call, we aim to protect our customers as much as possible from insurance rate increases which are estimated to rise by 40% year on year. Many of our customers will be offered a Price for Life at renewal which means that the price we present is guaranteed for life provided that your circumstances stay the same and no fault or non fault claim is made. This does not mean that you are entering into a life long contract with One Call; you will still receive a renewal notice from us every year and will be able to leave us without penalty at the end of every 12 month period. If you change your policy, move house or change car, your Price for Life will be recalculated plus a charge of £55 in addition to any insurer charges. Please see the One Call information book for details of One Call's charges. If you make a claim, this offer will be withdrawn.

Why does One Call Insurance offer Price for Life?

TheAA.com has reported that insurance is set to rise by 40% year on year. At One Call we aim to protect our customers from insurance rate increases, tax increases and general inflation which is why we may guarantee your renewal price for life if your circumstances stay the same and no fault or non fault claim is made. See 'what is Price for Life' for more information

If my circumstances change, will I still have a Price for Life?

We understand that your circumstances may change therefore if you change address, occupation, vehicle or any material facts; your price will be recalculated which will become your new Price for Life. Policy changes during the period of cover will incur a charge of £55 in addition to any insurer charges or refunds. Please see the One Call information book for details of One Call's charges. If you make a fault or non fault claim, this offer will be withdrawn.

What happens if I don't want a Price for Life?

Price for Life is offered to customers who have paid in full for their previous insurance. Not only does this offer protect you from insurance rate increases which theAA.com^ have estimated to increase by 40% year on year but it also saves you from shopping around for your insurance. You are not entering into a life long contract with One Call as you will still receive a renewal notice from us every year and will be able to leave us without penalty at the end of every 12 month period.

I am using an Apple Mac. Why doesn't my PDF policy booklet display properly?: Adobe Acrobat Reader v 7.0 or above is Required Adobe Acrobat is FREE - Download the latest version of Adobe Reader directly from adobe. Some third party PDF readers, such as "Preview" in Mac OS X may not be capable of reading the files.

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Customer Services Tel: 01302 554 015 Open Mon - Fri 9am-5:30pm, Sat 9am-5:30pm, Sun 10am-4pm One Call Insurance Services Limited - Registered Office: First Point, Balby Carr Bank, Doncaster, South Yorkshire DN4 5JQ. Authorised and regulated by the Financial Services Authority for general insurance business.
Registered in England Company No: 4693196. FSA Reg: 302961. Fax: 0844 443 2580.

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