One Call Insurance

cleanslateguy

Thank god for this thread. One call is the insurance company whom my insurance mess relates to.

Is it wise to go to the ombudsman straight away?

They cancelled my policy and are charging me £300 fee for doing it themselves due to not receiving my no claims proof in one week or so. It's absolutely draconic and have never been treated this badly. ALl I want to do is insure my car and have never had a claim in my life or a fault claim either. Just a citizen trying to drive my car and pay to do so!

Quentin

cleanslateguy wrote: »

....Is it wise to go to the ombudsman straight away? .....

No. Read up on the FOS.

You cannot take a complaint direct to them.

First you must exhaust the insurers complaints procedure (or allow them 8 weekis to respond to your complaint) before you can escalate to the FOS.

vaio

although if you ring them they will give advice and *might* intervene informally on your behalf, normally by taking the details of your complaint and passing it on to the insurer

lunarb

Stay well away

I recently took out a car insurance policy with this outfit and followed all the strict requirements and thought ok insurance sorted.
One month later i moved home to a more desirable post code less than a mile away that police.uk even recognizes as low crime area and then contacted one call expecting to pay around £20 admin fee and possibility a reduced premium but ..OH NO..
I was informed there is a £230 increase for moving one mile to a quiet cul de sac with low low crime rate compared to my old post code.

With police stats i disputed this increase for almost an hour and eventually brought this figure down to £120 which is still terrible and clear robbery but i had to take it on the chin at this point and just hope there's no more surprises to come.

Don't be tempted by One Call Insurance it's an illusion that becomes a horrible nightmare that you'll be stuck in for twelve months.

Stallone

anyone thinking about buying car insurance with one call think again. After getting the cheapest quote on compate the market i decided to go with one call as it was cheapest plus they were offering alot of extras included in the cover like free breakdown, and protected no claim garantee etc etc, anyway decided to go ahead with them and paid for the policy in full, got all the usual documents thru email which was asking me to send copy of licence and proof of no claim, i send it to them within minutes of paying for the policy, next morning i get an email from them...... URGENT 7 DAY CANCELLATION???

No explenation to why the are cancelling my policy at all, then i called up to find out why, the lady on the phone said they apparantly do a credit search on you???? !!!!!! credit search?? Im not applying for a bloody loan or mortage!! Anyway i know for fact that my credit scooring is pretty good as i am registered with experian and check it up all the time, and when i explained this to the lady on the phone she said oh its not neccessarily based on financial facts, it could be anything such as not being registered on electors roll bla bla bla...... Again i said to her i am registered on electoral roll so they are not giving me the reason to why they are cancelling my policy. Then she asked me to hold on for a min while she talks to somebody....
The next question was who was ur previous insurance, how long u been with them, how many years no claims you have? Is it all earned in the uk? Etc etc anyway in the end i was told we cant give you a reason as we dont know the reason we use credit reference agancies and we regret to inform you after such a credit scooring calculation was done the results of which was unacceptable as you came up as a high risk of more likely to make a claim?? !!!!!! what sort of scooring system they use?? I have 9 years no claims i have had my licence for 9 years never claimed and they telling me !!!!!!!! excuses like that??

Good thing was they offered me to cancel the policy before the 7 days was up and full refund will be given.
I wonder why they offered that? Because i said i will talk to selicitor about this as ur not giving me the reason to why my policy is being cancelled, but seeing as they offered me to cancel myself that way i cant blame them, CLEAVER!


Anyway just a warning to any of you be aware as they will credit search u which will appear on ur credit report also they don tell you about this before only after they cancel ur policy


In 9 years of my driving experiance i have never had to deal with such a horrible incurance company and rude ppl


Do not insure with this company unless u want all the hassle and ur policy cancelled with no explenation.

lianaf81

I have been with one call insurance since march and they have constantly muckef up with my direct debits.
They have forgotton to set them up or set them up on the wrong day of the month.
I moved house last month and i called to give them my new address.
I was emailed my new docs and as far as i was aware everything was sorted to to my shock i recieved a letter stating that my policy would be cancelled in 7 days due to no direct debit being set up.
I rang accounts and was advised that no payments had been made since july but it was now october so surely they would have written sooner.
I rang my bank who advised that the dirct debit had been paid every month.
I rang call credit who advised that they had no record of any payments at my address. I advised them that i had just moved and gave them my old address along with there direct debit details.
After a few minutes i was advised that my payments had been recieved and my account was upto date but my direct debit had been cancelled as the information couldn't be transferred over to my new address even though i was charged £55 for admin.
I was told i would have to make a manual payment and set up a new direct debit which i did.
I was shocked to find out that a payment had been taken via direct debit a week later.
I rang and was advised that i should have cancelled the direct debit with my bank although obe calk advised they had done this hence the card payment.
I was offered a full refund which took a week to clear.
I have just checked my online banking and i'm shocked to see that one call have taken out 2 direct debit payments for one insurance policy and have also set up 2direct debits
Advice as what my next move should be would be grateful please?

~Chameleon~

WOW!!! I've been insured with One Call for three years now and never had a problem with them. Perhaps I should thank my lucky stars I've never had to make a claim! I did change vehicle this year but was only charged £99 for a much newer and higher value car. My policy is due for renewal next month so I think I'll bail out while I can and find another insurer :beer:

lianaf81

I've just come off the phone to one call insurance and they have apoligised for taking 2 payments and have issued a refund and now cancelled one of the direct debits.
They advised that when the direct debit was set up it duplicated although theres 2 seperate account numbers on the direct debit.
I asked how this was possible and she couldn't provide an answer.
I was advised that the refund will take upto 14 days and going off what happened last month it probabley will as it took them 2 days to request it.
I asked for some form of compensation due to this being my second complaint regarding the same matter and i was advised they don't compensate.
I was advised that if i incur any charges from my bank i can send my bank statement in and they may pay me back the charges.
I am going to write a letter of complaint and take it further with the ombudsman.

Skookum

I am new to this forum but had to reply to this thread.

In my opinion you should avoid Onecall at all costs. I moved over the xmas period and needed to renew insurance. I got a very good quote from them so took them up and paid the deposit.

Within a few hours I got an email asking for the NCB which I immediately emailed back to them but then a stumbling block. They wanted copies of drivers licences for my partner and I. This was a problem as we had moved and only just sent them off to the DVLA.

I called them to explain the problem and was worried they may not come back in time over the xmas period. They assured me everything was ok but then cancelled my policy a few days later.

There reason was I had failed to provide documentation in 7 days. I then got a bill for £49 administration fee. Basically they had had £39 deposit and the administration fee for 7 days insurance!!

I refused to pay it as I thought it was unreasonable to expect me to get our licences back over the Xmas period and get copies to them in that time schedule. I would never have taken the policy in the first place as I know I would never have been able to supply them in time and to be fair I have never been asked before.

So they then send their pretend debt collectors Judgement Order Listings who I feel try to impersonate official enforcement agencies after you. The bill went from £49 to £126 in the first letter, to £246 by the third. They are not interested in your disputes and you cannot call them or contact them as everything leads you back to Onecall.

They threatened to contact my employer and various other tactics. As a matter of principle I dug my heals in and informed them I would be prepared to go to court as I feel I wasn't treated fairly from the beginning.

From then on I have received nothing from them, no acknowledgement, no threatening letters.

What kind of Mickey Mouse outfit are they?

vaio

As satisfying as digging your heels in might be you would be much better off getting it resolved properly (and the cancellation removed from your record) by following the insurers complains procedure and referring to the FOS if still not happy