Benefits of our Car insurance policies
- FREE Breakdown Membership
- FREE Motor Legal Cover
- Additional Driver Bonus Builder
- Windscreen Cover
- Hire Car
- 24 Hour Claims Service
- UK Call Centres
- 2nd Car Discount
Getting you cheap comprehensive car insurance quotes
Fully comprehensive car insurance is the highest level of cover available in the UK, but it isn’t necessarily the most expensive. Often also referred to as fully comp cover, it incorporates everything that is covered by Third Party, Fire and Theft, but also covers you and your passengers against bodily injury and the cost of repairing or replacing your car.
However, it’s important to remember that no two policies are alike and that the amount of cover provided under a comprehensive policy can vary greatly by insurer. That’s where One Call Insurance comes in; we compare comprehensive car insurance policies for you, highlighting how insurers differ on price and cover, enabling you to make a quick, hassle free and informed choice.
Compare and buy comprehensive car insurance via One Call Direct and you will receive the following benefits…
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
Our comprehensive car insurance comes with free basic breakdown cover and the option to upgrade to an enhanced level of cover if you 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 on all comprehensive insurance policies. It covers you for the cost of legal advice following an accident, and if needed, a referral to a solicitor. Motor Legal Service also gives you access to a 24/7 helpline.
FREE Hire Car
With comprehensive car insurance and subject to availability, you’ll automatically be eligible for a hire car in the event that your car is off the road for repairs or written-off as a result of a non-fault claim. You’ll also have the option to either upgrade this cover to a guaranteed hire car for 14 days or a guaranteed hire car for as long as is needed.
Additional Driver Bonus Builder
Our comprehensive insurance policies allow named drivers to build up their own No Claims Discount (NCD) for every year they don’t make a claim.
Driving Other Cars (DOC)
Some of our comprehensive car insurance policies come with a Driving Other Cars (DOC) clause. This enables you to drive another car on the basis of Third Party Only cover. However, you may only do so if the vehicle in question is insured elsewhere and you have the owner’s permission. Age restrictions and further terms may also apply; always check your policy documents for full details. Find out more.
Car windscreen cover
Car windscreen cover comes as standard on our comprehensive policies. It entitles you to a repair if your windscreen becomes chipped and a replacement if it is cracked or smashed. Furthermore, if you need to make a windscreen claim; your NCD won’t be affected, but you may have to pay an excess.
There’s often confusion as to what is and what isn’t covered by a comprehensive car insurance policy. The following list sets out the minimum cover you should expect:
- Damage to your car -; Covers costs incurred if your car needs to be repaired or replaced following an at-fault accident or an accident where fault cannot be proven.
- Fire damage to your car - Provides protection against the costs associated with the repair or replacement of your car following fire damage.
- Theft of your car - also provides cover for the cost of a replacement car in the event that yours isn’t recovered.
- Damage to third party vehicles - Costs associated with the repair of damage that has been caused to third-party vehicles and personal belongings as a result of an accident where you are deemed to be at fault. This also covers the costs associated with replacement if the third-party vehicle is written-off.
- Damage to third party objects, structures and property - Covers costs incurred in repairing or replacing third-party objects, structures and property (i.e. wall, building, crash barrier, road service) that has been damaged in an accident where you are deemed to be the driver at fault.
- Bodily injury to third party drivers and their passengers - Cover for the cost of providing treatment to third-parties for injuries suffered in a collision where you are at fault. This includes cover for ongoing costs associated with after-care and rehabilitation.
- Bodily injury to you and your passengers - Costs incurred in the treatment of injuries sustained by you or your passengers in a collision where you are deemed to be at fault. This also includes cover for the cost of after-care and rehabilitation.
Some insurers include additional levels of cover on comprehensive car insurance policies (find out who includes what, here). The most common additions are:
- Liability whilst towing - This simply extends your comprehensive cover to provide the same protection if you are towing a trailer.
- Driving Other Cars (DOC) - The DOC clause provides cover for you to drive other cars, but is usually only on the basis of Third Party Only. Furthermore, you may only do so if the vehicle in question is insured elsewhere and you have the owner’s permission. Age restrictions and further terms may also be applicable. Always check your policy documents for full details. Find out more.
- Windscreen damage - Covers you for repair or replacement of your windscreen and side windows in the event of them being chipped, cracked or broken. This cover is almost always provided on the basis that making a claim won’t affect your No Claims Discount (NCD), but an excess is likely to be payable (this is different and usually lower than the excess that you’d pay to make a claim following an accident, fire or theft).
- Key cover - Provides cover for locks and keys that are damaged or lost as a result of an accident, fire or theft as well as keys that are misplaced.
- Audio equipment - Covers you for the repair or replacement of your in-car audio systems. This usually includes both original and aftermarket systems with a typical claim limit ranging from £500 - £1,500.
- Uninsured driver cover - Provided only by a small number of insurers, this protects you against the financial risk of being involved in a non-fault accident with an uninsured driver.
- New for old replacement - Most insurers operate on a ‘new for old’ basis, meaning that in the event your car is declared a write-off and is less than 12 months old, it will be replaced with a brand new like-for-like replacement.
As with any type of insurance, there are scenarios in which a comprehensive car insurance policy won’t provide cover, the main ones are:
Track days - Given the high-risk nature of track days, cover for participation in them isn’t included on a standard comprehensive policy. Instead, you will need to purchase a track day insurance policy.
Business use - Comprehensive car insurance doesn’t provide cover for business use as standard. However, depending on the exact nature of use, insurers are often willing to extend your cover to incorporate business use, but will likely charge an additional premium for it.
Wear and tear - Comprehensive insurance doesn’t cover you for wear and tear or for damage caused by repairs or modifications to your car.
Confiscation and impoundment - Your car insurer will likely not cover your car against damage or loss if it has been confiscated or impounded.
Tip: This isn’t an exhaustive list and exclusions do vary by insurer so it’s important to read an insurer’s policy booklet in order to ensure you understand what cover you have and what cover you don’t have before you buy car insurance.
Statistics show that high-risk drivers often opt for lower levels of cover, perhaps in a bid to reduce the amount they have to pay to get insured, and in order to combat this, most insurers load the price. The result being a scenario where the higher levels of cover offered under a comprehensive policy can cost you less than the basic cover provided under Third Party Only.
Don’t leave it to the last minute – Some insurers load the cost of cover (applies to all levels and not just comprehensive) for quotes where the proposed start date is within a couple of days of the quote date. With this in mind you should, wherever possible, plan ahead to ensure you have insurance in place at least a couple of weeks before the policy start date.
Compare comprehensive car insurers – Comparing comprehensive car insurance cover from a selection of providers is the only way to be confident that the price you have been quoted is the best on offer. You can begin a comparison here.
Add a voluntary excess – In addition to the compulsory excess that applies to claims made under a comprehensive policy; you will have the option to add a voluntary excess and in doing so, you are likely to receive a discount on your premium.
Don’t over estimate your mileage – It’s important to ensure you estimate your annual mileage as accurately as possible. If you over estimate, you could end up paying over the odds for your car insurance. However, you should express caution as underestimating your mileage could invalidate your insurance policy.
Switch to a low-risk car – There are 50 groups that insurance companies use to categorise the risk posed by different cars (1 being something like a Ford Kia and 50 being something like a Bugatti Chiron). Where your car sits within these groups can have a huge impact on the cost of cover, so, if cutting costs is your primary objective, you should aim to drive a car from one of the lower groups.