One Call Home Insurance Review and Quotes
verified information
Information verified by Adeline Harmant
Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyWould you like to protect your home against any damage or an unfortunate event such as a house fire or theft?
Are you wondering if One Call is the best home insurance company to protect your house?
You’ve come to the right place.
This ultimate and up-to-date review on One Call home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.
Is One Call the best insurance company for you?
Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.
At Safe, we’ve studied in detail One Call's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.
4,4 Safe overall rating for One Call
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction and claims |
4.4/5 rating on TrustPilot | |
| Cover provided for your home |
Contents cover up to £75,000 | |
| Value for money |
There is an option to buy a combined policy | |
| Financial strength | The insurance policy provided by One Call is underwritten by a number of insurers like Aviva, Allianz, Ageas, Axa, Legal & General, Prestige, etc. | |
| Technology |
Live chat option is available |
Expert and customer satisfaction reviews for One Call home insurance
| Review organisation | One Call home insurance reviews |
|---|---|
Defaqto expert | Not available |
| TrustPilot | 4,4/5 based on 43,578 customer reviews |
| Reviews.io | 4,5/5 based on 143,976 customer review |
Our general opinion on One Call home insurance
One Call Insurance was founded in 1995 and they offer whole of the UK great car insurance quotes, as well as offering home insurance, van insurance, commercial insurance, short term insurance, learner driver insurance and travel insurance. One call insurance is underwritten by a number of insurers like Ageas, Axa, Allianz, Bell, LVand anyone can be chosen. However, the Home emergency and Legal Protection services are administered and underwritten by One Call.
One call offers only one level of cover which includes insurance services for buildings and contents of buildings.
The buildings cover offers owner liability cover of up to £2M, 10% of sum insured for alternative accommodation, trace access cover of £5000, cover for burst pipe, ground water, underground services, subsidence, flooding. There is also the option to get legal protection cover and ‘home emergency’ cover as optional extras.
Contents insurance protects your belongings from damage, fire and theft, with an option for accidental damage. One Call in collaboration with Allianz offers up to £75000 for content building insurance, £3000 worth of cover for student's belongings, £5000 worth of cover for business equipment and many others. Their services are recommended as they offer affordable insurance rates.
They have a high rating of 4,5/5 on Review.io and a high rating of 4,4/5 rating on TrustPilot. There is no recorded rating on Defaqto. Their services are recommended as they are reliable and offer affordable insurance.
What does One Call home insurance cover?
What is more important than protecting your home – the roof under which you sleep with your loved ones?
Applying for home insurance at One Call will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).
Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.
Home insurance at One Call covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.
One Call buildings and contents insurance
One Call provides three main types of household insurance:
- Buildings insurance
- Contents and personal possessions insurance
- Combined policy
Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.
Good to know
If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.
Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.
Good to know
House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.
In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.
You will find below policy details for building and contents insurance:
| One Call building insurance | Limits |
|---|---|
| Maximum sum insured | £500 000 |
| Owner liability | £2 000 000 |
| Alternative emergency accomodation | 10% of sum insured |
| Period of home's unoccupancy cover | 60 days |
| Repairs guarantee period | 1 year |
| Trace and access | £5 000 |
| Burst pipe | As standard |
| Blockage of sewer pipe | Not covered |
| Gradual build-up of groundwater | As standard |
| Subsidence | As standard |
| Underground services | As standard |
| Keys cover | £1 000 |
| Flood and storm damage (except for fences) | As standard |
Good to know
Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).
Let’s have a look now at Esure contents insurance limits:
| Contents insurance | Limits |
|---|---|
| Maximum sum insured | £75 000 |
| Owner liability | £2 000 000 |
| Alternative emergency accomodation | 10% of sum insured |
| Period of home's unoccupancy cover | 60 days |
| Damage made by pets | Not covered |
| Contents kept in garden | £1 000 |
| Contents kept in outbuildings (garage included) | 15% of content sum insured |
| Thefts from outbuildings | 15% of content sum insured |
| Single item limit for valuables | 15% of content sum insured |
| Items temporarily removed from home | £3 000 |
| Money in and outside the home | Inside: £500 Outside: Not Stated |
| Credit cards in and outside the home | Inside: Not Stated Outside: Not Stated |
| Business equipment kept at home | £5 000 |
| Student equipment | £3 000 |
| Keys cover | £1 000 |
One Call home insurance additional cover
On top of your One Call buildings and contents insurance, you can find additional cover such as:
| Home insurance additional cover | |
|---|---|
| Accidental damage cover | Optional extra |
| Home emergency |
|
| Boiler cover |
|
| Legal protection |
|
| Personal possessions |
|
| Mobile cover | Not Covered |
| Bicycle cover |
|
One Call home insurance excess
The deductible you'll have to pay in case of claims are as described below:
| For both building and contents insurance | |
|---|---|
| Excess for standard claims | Not Stated |
| Excess for escape water claims | Not Stated |
| Excess for subsidence claims | Not Stated |
| Excess for personal possessions | Not Stated |
| Excess for keys | Not Stated |
One Call home insurance fees and NCD
To manage your policy, renew, cancel or modify it, One Call fees are as follows:
| Fees applied to manage your One Callhouse policy | |
|---|---|
| Interests on payment installments | 28.82% |
| To renew my policy | £30 |
| To adjust my policy | £39 |
| To duplicate documents | £9 |
| To cancel my policy during cooling-off period | £50 |
| To cancel my policy outside cooling-off period | £56 |
| For payment default | £30 |
| To switch from one insurer to One Call | Not covered |
How much does One Call home insurance cost?
You will below indicative quotes for building and contents insurance at One Call:
| Building insurance | Contents insurance | |
|---|---|---|
| Excess | Not Stated | Not Stated |
| Home cover | Building: £250 000 Contents: £20 000 Personal items: £4 000 | Building: £500 000 Contents: £50 000 Personal items: £8 000 |
| Premium | £150,93 | £296,14 |
It is very difficult to give a precise range of how much exactly will your home insurance cost at One Call as it will mainly depend on:
- The insurance you apply for (building, contents, combined insurance, extras)
- Your address
- Your claim record
- The insured value of your home and of your personal belongings, etc.
One Call will establish a risk rate, taking into account all these elements, and offer you a price based on it.
The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.
Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.
One Call home insurance discounts available
No discount available.
How do I a claim on One Call home insurance?
Claims can be made by calling the company's 24/7 line.
You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.
| How to claim on One Call home insurance? | |
|---|---|
| Claim by phone | 02037 387 300 |
Good to know
If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.
How can I cancel One Call house insurance?
To cancel your One Call house insurance, here is what you need to know:
| Cancelling your home insurance at One Call | |
|---|---|
| Cancellation notice if One Call cancel your policy | 14 days |
| Cancellation fees | Fees during cooling-off period: £50 Fees outside cooling-off period: £56 |
| Cancel by mail | The Renewals Department |
| Cancel online | The Live Chat team can be contacted for cancellation. |
| Cancel by phone | 0130 255 4013 |
How to contact One Call home insurance?
| Services | Phone numbers | Opening hours |
|---|---|---|
| Quotes | 01302 554013 | Monday - Friday, 9:00am - 8:00pm |
| Policy change | 01302 554013 | Monday - Friday, 9:00am - 8:00pm |
| Renewal | 01302 554013 | Monday - Friday, 9:00am - 8:00pm |
| 24-Hour Accident Helpline | 0203 738 7300 | 24/7 |
| Cancellation | 01302 554013 | Monday - Friday, 9:00am - 8:00pm |
One Call home insurance contact details
| One Call contact details | |
|---|---|
| One Call address | One Call Insurance |
| Customer service email | Not available |
| Chatbot available | Live chat is available |
How do I log in to One Call customer portal?
You can login by clicking on the "Customer Portal" option on the Homepage of the website. The login details will be requested for.
How do I get One Call home insurance quotes?
To get a quote online at One Call, it couldn’t be simpler.
You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If One Call is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.
To get One Call home insurance quotes, you will need to provide:
- Your personal information: ID, age, phone number and job
- Your address and postcode
- Your homeowner record (claims included)
- Your home description (type of property, the date it was built, how many square metres inside and outside)
- Your property related status: do you own it, rent it, have a mortgage on it, etc.
- Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.
The types of questions you will be asked are typically:
- Are you a first-time buyer?
- Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
- Has the property ever been damaged by flood?
- Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.
5 tips to reduce your One Call house insurance quote
- Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
- Increase the excess amount you are willing to pay in case you make a claim.
- Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
- Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
- Consider index-linked cover for building insurance to follow prices of building materials.
