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Home Insurance Key Facts

Important information about our home insurance

Updated 17/03/2015

The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.


Whose products do we offer?

We offer products from a range of insurers for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance.

We can only offer products from a limited number of insurers.

Ask us for a list of insurers we offer insurance from.

We can only offer products from a single insurer in respect of Motor Breakdown Cover.

We only offer products from a single insurer.

We only offer our own products.


Which service will we provide with you?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.


What will you have to pay us for our services

A fee of up to £60.00 for the administration of new business for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance Policies where an Insurer does not pay One Call Commission.

A fee of up to £8.99 for the provision of a hard copy of your documents for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance Policies.

A fee of up to £40.00 for the administration of renewal of Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance Policies.

A fee of up to £39.00 for the administration of a mid term change to your Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policy.

A fee of up to £26.00 for the administration of stopped or returned payments or changes to payment dates for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance Policies.

A fee of up to £55.00 for the administration of changes to your Policy as a result of your misrepresentation for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.

A fee of up to £55.00 for the administration of changes specifically to your No Claims Bonus as a result of your misrepresentation for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.

A fee of up to £49.99 for the administration of cancellation of your Policy within the Deferment or Cooling Off Period for new business Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.

A fee of up to £35.99 for the administration of cancellation of your Policy within the Deferment or Cooling Off Period for renewed Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.

A fee of up to £55.99 for the cancellation of your Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.

A fee of up to £30.00 for the administration of rejected Direct Debit payments for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.

A fee of up to £30.00 for the administration of defaulted Direct Debit payments for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.

A fee of up to £10.00 for administrative work where Direct Debit Mandates have not been returned for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.

A fee of up to 10% of your Insurance Premium together with interest as a Direct Debit Arrangement Fee where you opt to pay by Direct Debit for any Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.

No fee.

You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.


Who regulates us?

One Call Insurance Services Limited as shown on Financial Services Register is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 302961.

Our permitted business is general insurance activities.

You can check this on the Financial Services Register by visiting the FCA's website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.


What to do if you have a complaint?

One Call Insurance are authorised and regulated by the Financial Conduct Authority.

Please visit our Complaints section for further details


Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 90% of the claim, without any upper limit.

For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS.


Our home insurance benefits include:

Free home emergency service

*Free contents accidental damage

*Free buildings accidental damage

New for old

Legal Services

Cover away from home (including worldwide)

24 Hour claims service

UK call centres

*Dependant on cover

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One Call Insurance Services Limited - Registered Office: First Point, Balby Carr Bank, Doncaster, South Yorkshire DN4 5JQ.

Authorised and regulated by the Financial Conduct Authority for general insurance business.

Registered in England Company Number: 4693136.
FCA Reg: 302961.

© Copyright One Call Insurance Services Limited - All Rights Reserved.