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Car Insurance

We all want cheap car insurance, try us today and see how much money you could save on your car insurance.

Benefits of our Car insurance policies

  •  FREE Breakdown Membership
  •  FREE Motor Legal Cover
  •  Uninsured Driver Promise
  •  Flexible Deposit
  •  Additional Driver Bonus Builder
  •  24 Hour Claims Service
  •  UK Call Centres
  •  2nd Car Discount

Getting you our best car insurance quotes

Scouring the internet for a great deal on your car insurance probably isn't your idea of fun. On the other hand, driving full-throttle into the arms of the first insurer that comes to mind isn't going to guarantee you the best price.

Whether you're counting the pennies and trying to combat the rising cost of motoring or you're embarking upon your first year as a fully-fledged motorist, it's important to compare the cost of cover from a selection of insurers.

At One Call Insurance, we compare a panel of the UK's leading insurers for you, eliminating the hassle of jumping from one website to another and in the process ensuring you get the best possible cover for your car, without breaking the bank.

Car insurance policy features

You'll receive lots of great benefits as standard when you compare and buy car insurance with One Call Insurance. Here they are:

FREE Breakdown Membership

All our car insurance policies come with free basic breakdown cover and the option to upgrade to an enhanced level of cover for those who need it. With a standalone value of £39, it not only saves you money but also eliminates the hassle of having to manage two separate payments, two companies and two renewals.

FREE Motor Legal Cover

Free Motor Legal Cover is included as standard on all policies. This includes the use of a hire car in the event that your car is off the road as a result of a non-fault claim (provided it isn't driveable). On top of this, you have the ability to upgrade the hire car element and receive a guaranteed hire car for 14 days or for as long as is needed (depending on the level of cover you choose).

Additional Driver Bonus Builder

Additional Driver Bonus Builder comes as standard when you buy car insurance via One Call Insurance, it allows named drivers to build up their own No Claims Discount (NCD) for every year they don’t make a claim. The discount they accrue can subsequently be used on their own One Call Insurance Policy.

24 Hour Claims Line

Disasters never strike at a convenient time, that’s why our UK based claims team are here to assist you 24 hours a day, 7 days a week. Enabling you to report an incident as soon as it happens, it also speeds up the process of getting a claim settled and paid-out.

Uninsured Driver Promise

All our car insurance policies come with our Uninsured Driver Promise. This means, if your car is damaged in the event of an accident, and the driver is uninsured, we will repay your excess and restore your no claims discount. This will be done once we confirm the accident was the fault of the uninsured driver.

UK’s No1 for Car Insurance

More than 22,000 of our customers have left us a genuine and unbiased review via independent consumer review website, Review Centre. As a result, we’re rated as the UK’s No1 within the car insurer category.

Further information...

There are three different types of car insurance in the UK, all of which can be compared and bought via One Call Insurance; they are:

Comprehensive

Comprehensive car insurance provides the highest level of cover, but it isn’t necessarily the most expensive.

What does comprehensive car insurance cover?
  • Damage to your car – Costs incurred in repairing or replacing your car and in the event of an accident.
  • Fire damage to your car – Costs incurred in repairing or replacing your car in the event of it being damaged in a fire.
  • Theft of your car – Costs incurred in repairing or replacing your car in the event it is damaged or can’t be recovered after it has been stolen.
  • Damage to third party vehicles - Costs incurred in repairing or replacing third-party vehicles that have been damaged as a result of an accident where you are deemed to be at fault.
  • Damage to third party objects, structures and property – Costs incurred in repairing and/or replacing objects, structures and property that has been damaged as a result of an accident where you are deemed to be at fault.
  • Bodily injury to third party drivers and their passengers – Costs incurred in treating injuries incurred by third-parties as a result of an accident where you are deemed to be at fault.
  • Bodily injury to you and your passengers – Costs incurred in treating injuries incurred by you or your passengers as a result of an accident where you are deemed to be at fault.
  • Personal possessions – Costs incurred in replacing personal possessions that have been damaged or lost in an accident.
  • Third-party personal possessions – Costs for the replacement of third-party owned personal possessions resulting from damage or loss caused by an accident where you are at fault.
  • Driving Other Cars (DOC) – Cover to drive other cars, usually on the basis of Third Party insurance cover.

Tip: This should be used as a guide only as cover, terms and restrictions will vary by insurer.

Third party, fire & theft

Third party, fire & theft cover sits between comprehensive and third party cover. It’s essentially just third party cover with the addition of fire damage and theft cover.

What does Third Party, Fire & Theft insurance cover?
  • Fire damage to your car – As with comprehensive cover, there is provision for the costs incurred in repairing or replacing your car in the event of it being damaged in a fire.
  • Theft of your car – Costs incurred in repairing or replacing your car in the event it is damaged or can’t be recovered after it has been stolen.
  • Damage to third party vehicles - Costs incurred in fixing or replacing third party vehicles as a result of an accident where you are deemed to be at fault.
  • Damage to third party objects, structures and property – Provision for the costs incurred in the repair and/or replacement of objects, structures and property that has suffered damage in an accident where you are deemed to be at fault.
  • Bodily injury to third party drivers and their passengers – Costs incurred in the treatment of injuries suffered by third-parties in an accident where you are deemed to have been at fault.
  • Third-party personal possessions – Costs incurred in replacing third-party owned personal possessions that are damaged or lost as a result of an accident where you are at fault.

Tip: This should be used as a guide only as cover, terms and restrictions will vary by insurer.

Third party

Third Party insurance is the lowest level of cover available; it meets the minimum legal requirement, but offers little to nothing else and against all apparent logic is often more expensive to buy than comprehensive cover.

What does third party car insurance cover?
  • Damage to third party vehicles - Provision for costs incurred in repairing or replacing third party vehicles that have been damaged in an accident where you are deemed to have been at fault.
  • Damage to third party objects, structures and property – Costs incurred in the repair and/or replacement of objects, structures and property that has suffered damage as a result of an accident where you were at fault.
  • Bodily injury to third party drivers and their passengers – Cover for costs that are incurred in the treatment of injuries to third-parties as a result of an accident where you were at fault.
  • Third-party personal possessions – Cover for costs associated with replacing third-party owned personal possessions that are damaged or lost as a result of an accident where you are at fault.

Tip: This should be used as a guide only as cover, terms and restrictions will vary by insurer.

One Call’s online car insurance comparison tool is designed to take you from click to quotes in just 90 seconds. To make this possible you will need the following information to hand:

  • Car details – Details of the car you would like to be insured to drive. If you have it, the registration number will suffice, if you don’t, but have details of the make, model, derivative and age of the car, you can enter these instead.
  • Intended use – Information relating to how you intend to use your car and for what purpose. For example, will you use the car for socialising, domestic trips, commuting, business or a combination of all? You will also need to have an idea of the number of miles that you expect to cover over the year and in order to avoid invalidating your cover, you should try to be as accurate as possible.
  • Personal details – This encompasses your full name, title, DOB, marital status, number of dependants, residential address and occupation.
  • No Claims Discount (NCD) – The number of years of NCD you have built up. It’s important to note that one set of NCD can only be used on one car insurance policy at a time. For example, you cannot purchase a new policy and use the same set of NCD as is used on a pre-existing policy unless you intend on cancelling the pre-existing policy.
  • Driving history – Information relating to any claims or convictions within the last five years. For claims, this includes instances where you have discussed the prospect of making a claim with a previous insurer, regardless of whether or not a claim was actually made.
  • Additional drivers – Details of any additional drivers that you’d like to be insured to drive your car. The information required includes, but may not be limited to their full name, title, DOB, marital status, address, occupation, details relating to any previous claims and driving history.

Car insurance is designed to offer protection against common risks involved in owning and driving a car. It primarily offers financial protection against any costs that may be incurred as a result of physical damage, theft or bodily injury.

It ensures that any not-at-fault third-parties involved in a road traffic accident can reasonably recover costs incurred as a result and that you aren’t personally left out of pocket if you are the at-fault-driver.

Furthermore, in accordance with the Road Traffic Act of 1998; it’s a legal requirement with the minimum permissible level of cover being Third Party Only. Fail to comply with the law and you could receive a £300 to £5,000 fine, have your car seized and be given a driving ban.

According to Q4 2017 data from the Association of British Insurers (ABI), the average price paid for car insurance in the UK is £493, a figure that amounts to a 6% year-on-year price hike when compared to Q4 2016. However, the price you pay for car insurance will differ and you may therefore pay less or more than the UK average.

The specific cost to insure is determined based on a combination of factors. These include your age, marital status and occupation along with the type of car you drive, its age and value. Pre-existing claims and convictions will also have an impact on cost.

We all want cheap car insurance and despite prices seemingly reaching new heights year-on-year, there are a number of ways in which you can legally reduce the cost of car insurance while maintaining fully comprehensive cover, these are:

  • Compare quotes from different insurers – Comparing car insurance quotes from a selection of insurers will give you a much better idea of whether the price you’re being offered is competitive or not. One of the quickest and easiest ways to do this is via our car insurance comparison service.
  • Increase your voluntary excess – A typical car insurance policy has a compulsory and voluntary excess, both of which can range from zero to a few hundred pounds. The compulsory excess is set by the insurer and cannot be changed. The voluntary excess, however, can be increased and should subsequently reduce the amount of premium that you have to pay for coverage. However, before doing this you should consider the fact that any increase in the voluntary excess will mean you have more to pay if you need to make a claim.
  • Build up a No Claims Discount (NCD) – NCD is accrued when you have been insured for one year without having made a claim; the same applies to every subsequent claim free year, usually up to a maximum of seven. For example, two years’ claim free driving would mean you have two years’ NCD. Some insurers will keep a tally of your NCD beyond this threshold, but most only discount up to the seventh year.
  • Have a black box fittedBlack box car insurance has experienced a sharp rise in popularity over the last couple of years, but it isn’t for everyone. It involves the fitting of a telematics equipped box to your car and allows your insurer to monitor your driving style and amend or even cancel your policy based on the results.
  • Choose a car that’s cheap to insure – For insurance purposes, cars are categorised from 1 to 50 and generally speaking the lower the category the lower the premium you will have to pay to insure it. According to Car Buyer, these are 5 of the UK’s cheapest cars to insure in 2018:
  Hyundai i10
  Dacia Logan
  Smart ForFour
  Vauxhall Corsa
  Volkswagen Up!
  • Avoid car modifications – Modifying the aesthetics or performance of your car is likely to impact the cost of cover. The list of modifications that must be declared when buying car insurance is near endless. Examples include aftermarket alloy wheels, performance exhausts and spoilers.
  • Add a named driver to your policy – Adding a named driver to your insurance policy can bring down the cost of cover, provided they have a number of years’ experience and an exemplary claims and convictions record. However, you should be careful as to ensure you avoid fronting. This is where a parent or guardian falsely claims to be the main driver on their sibling’s car insurance policy in order to bring down the cost of cover.

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