One Call Insurance

ken.bro

I had the misfortune to buy One Call Car Insurance through a broker based on price and what seemed to be good value, how wrong can you be ! Not only did they make a total mess of setting up my direct debit they refused all manner of proof I sent them for my NCD stating it did not comply with their requirements. They also dragged up an old 'No Fault' insurance claim which was outside their timescale of validity. Consequently they substantially increased my premium by almost a third while at the same time issuing me with a seven day cancellation notice. Despite my writing to query this,and posting by recorded delivery, I received no reply other then computer generated threats of charges and cancellation fees. Now I find they have taken £!58.00 from my bank account even though I had written again querying the detail of this charge. So the upshot is that, including two direct debit payments totalling £50 i have now been stung to the tune of £208 for two months car insurance. This firms trading standards are exactly what gives the insurance industry its bad reputation, avoid them like the plague !

doB

Hopelessly inefficient, spurious, huge charges for 'administration' do not touch this company with a barge pole!
Kakfaesque circular customer 'service'. Hours wasted and still ripped off! Truly,, truly dreadful.

ken.bro

Be persistent and hound them ! I did eventually get a £78.00 refund out of them but it was bloody hard work. Some small satisfaction though. Still an expensive lesson to learn. Good Luck.

BELLPC

Hello could you confirm the outcome as I am currently in the same boat at the moment. OCL solicitors are sending me documents tomorrow to sign which I will read through very carefully. Apparently the At Fault Insurance are refusing to pay for the costs so they OCL solicitors are now supposedly taking them to court.

Beepbeeper

Knew something was up today when they called. Took a new policy the day before and gave details of my licence immediately on their portal.

The call today related to an alleged claim from a previous policy some 15 months ago. They gave NO details other than a date to help me work it out, but we’re happy to lump 160 on my premium and still insure me. Info was like blood out of a stone. I asked the value of the alleged claim and was told it was ZERO. But supposedly the last insurer hadn’t closed it down, so it “could be for more” but they are happy to take a punt for an extra £160... honestly.

... i then remembered my old van needed a new windscreen back then and to my surprise this was the alleged claim. I forwarded 2 emails which originated from my previous insurer with clear evidence of vehicle, date, claim and policy number to demonstrate it was undoubtedly a screen replacement with no NCB implication. I get an email back within 10 minutes advising the “underwriting team” would like the exact same info on headed paper from last van insurer in one PDF... clearly this is just being obstructive in order to force me to pay the higher premium for nothing.

They have the cheek to put some alleged award for fraud prevention in 2017 in the signature... Behaving in this manner simply can’t be legal. Wish I stuck to Churchill, but it seems they will still take a fee in the cooling off period even though their deceptive behaviour was not made clear in the t’s and c’s at the outset. Will ride it out...

Beepbeeper

The first 4 pages of the FCA report from 2018 are jaw dropping. Google “one call FCA fine”

It seems you would pay them but during the period concerned, there was no guarantee your cash would be allocated with the underwriter. It was just knocking about in their accounts instead of being passed on. They were using it as working capital.

There is no regard for compliance with FCA rules and the fine won’t have harmed them when you consider the cost of borrowing and the time they were not ring fencing such a large sum. An Honest mistake...apart from your external auditors telling you on numerous occasions this is not allowed.

Can’t believe they haven’t even re branded...

Quentin

It looks like you didn't disclose the claim.

Always a risk of problems when you get found out

They haven't taken the hard line and simply cancelled!

Just because your NCD was unaffected doesn't mean that the claim is not registered against you

Josh107

Beekeeper, One Call are con artists. They will charge you £50 to cancel.
Make a claim with the insurer's ombudsman, nothing to lose.
Make sure you give a bad feedback with trust pilot. If you look at there scores and comments, you will see a pattern which shows their pos. feedback is fake. I made a post about this before.

I disagree somewhat with Quentin, a windscreen damage change is not normally put down as a claim, insurance usually covers it....esp on comp. ins. easy mistake to make.

Quentin

Josh107 wrote: »

I disagree somewhat with Quentin, a windscreen damage change is not normally put down as a claim, insurance usually covers it....esp on comp. ins. easy mistake to make.

Don't know what you mean by "damage change", however if you are asked about claims then glass claims must be disclosed.


(And don't know what you mean by "insurance covers it....esp on comp. ins")


The only way there's no need to disclose a glass claim when answering the question on claims history when completing a quote proposal is if it says something on the lines of "you need not tell us about any glass claims you have made...."

Josh107

no need to get snotty, Quentin