One Call No Claims Discount Guarantee

Below are the full details of the One Call no claims discount guarantee. If you have any queries regarding this, please contact our customer service team on 01302 554 015.

Typically, a protected no claims discount will only protect the discount percentage at the time of renewal, not the premium. Therefore, in the event of an accident where you were at fault, an insurer could increase your renewal premium, meaning that you will still pay more even if you have paid for protected no claims discount.

At One Call we believe this to be unfair so we offer you the One Call no claims discount guarantee.

To help protect your renewal premium in the event of a fault claim occurring, this guarantee will ensure that your renewal premium will be quoted at 10% below the best protected rate on the market.

If you find a cheaper quote for the cover you require elsewhere, we will price-match it and offer you a further 10% discount (a copy of the alternative quotation will be required).

To qualify

You need a minimum of one year’s no claims discount from any insurer at the start of the policy period.

The terms

The One Call no claims discount guarantee will continue to discount your renewal premium unless there are two fault claims in any three year period. In this situation the One Call no claims discount guarantee will be lost.

Some definitions

We consider a fault claim to be where the cost of the claim was met by your insurer but could not be recovered.
Where the accident was not your fault or the driver was uninsured, you will not lose your One Call no claims discount guarantee.
Your One Call no claims discount guarantee will not be affected if you claim for a broken windscreen or window glass.
If you left us

One Call will issue you with confirmation of the number of year’s discount we matched in the issue of your renewal premium.
The no claims discount guarantee is a One Call Insurance benefit and does not form part of your contract with your insurer. Some insurers may only accept confirmation of no claims from the insurance company.
Your insurance company will apply a no claims discount in accordance with their own terms.