One Click Car Insurance Review: Full Breakdown
Finding affordable car insurance can be a hassle but One Click Insurance makes it easier. Their customer service is open on weekends so you can get help whenever you need it. Some customers have had smooth claims and clear communication about the process so it’s a popular choice for many.
On the other hand there are complaints about high fees and extra charges. These can add up and annoy policyholders. Weigh up the excellent service against the extra charges and decide if One Click Insurance is for you.
If you want a balance of price and service then One Click Insurance might be for you. With mixed reviews it’s important to look at both sides before you decide. This article will go into the details to help you make a decision.
One Click Car Insurance Features
One Click Car Insurance is user friendly, great service and full coverage options. People like the detailed policies and quick customer service.
Full Coverage
With One Click Car Insurance you get full protection for your vehicle. This includes coverage for accidental damage, theft, vandalism and natural disasters.
You’re also covered if your car is damaged by fire or floods. This type of insurance will cover the repair costs of your vehicle or provide a replacement vehicle if it’s beyond repair.
And windshield and glass repair. This means even small cracks or chips will be fixed without extra out of pocket expenses.
You also get emergency roadside assistance. This includes towing, battery jump starts and tyre changes so you won’t be left stranded.
Third Party Liability
One Click Car Insurance also has third party liability coverage. This additional premium is important if you damage someone else’s property or injure someone in an accident.
The policy will cover legal costs if you’re taken to court due to an accident where you’re at fault.
It will pay for the injured party’s medical expenses and any property damage. This can include damage to vehicles, buildings or other structures.
And this also covers passengers in your vehicle. If they’re injured in an accident that’s your fault their medical bills will also be covered.
Third party liability coverage is not only a legal requirement but also gives you peace of mind knowing you won’t be hit with a big bill if you have an accident.
Customer Service Experience
When it comes to customer service experiences with One Click Insurance vary. Some customers have found it easy to add business insurance and liked the helpfulness of specific agents like HE4. Positive comments include quick response times and knowledgeable service reps.
But some customers find the website hard to navigate. They say the message chat is slow and doesn’t resolve the issue. They prefer to speak to someone who knows the company policies rather than call centre staff for advice.
Complaints about extra charges come up often. For example one customer was charged £77.88 extra after changing their car just two weeks into a policy. These kinds of issues can be annoying and lead to bad reviews and cancel them.
Here’s a summary of customer feedback:
Customer Feedback Experience Adding business insurance Praised for helpfulness and quick Navigation of website Described as hard and painful Message chat Slows down and doesn’t help Unexpected charges Customers are surprised and annoyed Call centre service Customers prefer knowledgeable line chat and staff over standard call centres
So it’s clear some parts of One Click Insurance’s customer service is good but there’s room for improvement.
For more reviews see Trustpilot and Reviews.io.
Pricing and Value for Money
One Click Car Insurance has different pricing options for different budgets. Knowing how the premiums and discounts work will help you compare quotes and decide if it’s right for you.
Premiums
One Click Car Insurance’s premiums can vary greatly depending on age, vehicle type and driving history. Some customers found the costs to be on the high side especially the admin fees. A simple request like changing vehicle details can cost £49.99 which some users found too expensive.
Example Premium Costs:
Young drivers: Often pay more monthly.
Experienced drivers: May get slightly lower rates but still find admin fees high.
Adding extra features: Adds to the overall cost.
One Click does have different coverage options but the admin costs might make it less appealing to some. This has led to mixed reviews from users if they feel they’re getting value for money.
Discounts and Offers
While the premium prices are high, One Click Car Insurance does have several discounts and services that can reduce the total cost. For example by bundling other policies like home or business insurance you might get a discount on your new car and insurance.
Discounts:
Multi-policy discounts: Save by bundling car and home insurance.
No claims bonus: Big discounts for clean drivers.
Pay annually: Get a discount if you pay the full annual premium upfront.
Despite these savings, some customers still feel the overall cost including hidden fees is higher than other insurers. The trade off between potential savings and higher upfront cost needs to be weighed. For more info read reviews and customer feedback here.
Claims and Settlement
For your insurance claims and processing One Click Car Insurance has a smooth process. They have an online platform where you can submit your claim details.
Key Features of the Claims Process:
Online Submission: You can submit your claims online.
Customer Support: Live chat as mentioned by Jenny Waye who had a good experience.
Professional Guidance: Polite and efficient service as mentioned by another customer.
They want to make the process as quick and simple as possible. You’ll get clear instructions on what to do.
Settlement Times
Claims can take longer depending on quality and the complexity. Many customers found simple claims are processed fast. If your claim requires more investigation it might take a bit longer but you’ll be updated regularly on the status.
Feedback on Claims Handling:
Some users praised the claims process. Ryan RG4, a customer service rep, was very helpful during a claim according to a review.
Cons:
A few customers have experienced higher charges when cancelling their policies as mentioned in a review that explained the cancellation fee. So transparency in fees but be aware of the potential cost.
These should be considered when rating your claims experience with One Click Car Insurance.
Policy Management and Mobile App
Online Portal
The online customer portal itself is designed to have clean navigation and easy access to your policy details. You can log in with your email and password and see your coverage, payment history and renewal dates.
Editing personal info, updating payment methods and requesting documents are just a few clicks away. The interface is minimal so even non tech savvy users can find their way around without hassle.
Highlights:
Clean dashboard
Easy access
Quick documents
Mobile App
One Click Car Insurance also has a mobile app that mirrors the online portal but is designed for mobile and tablets. Features include push notifications for upcoming payments, quick access to documents and you can contact them to make changes to your policy directly through the app.
Users mentioned the app is user friendly and fast. A handy tool to manage your insurance on the go so you can always have access to your policy details.
Highlights:
User friendly
Push notifications
Policy management
Customer Feedback and Reviews
Customer feedback for One Click Car Insurance will give you an idea of the good and the not so good. You should read and compare these to make a decision.
Positive Reviews
Many customers love One Click’s pricing. Users mentioned it’s one of the best back insurance quotes around especially when compared to other car insurance. For example one review said despite a big increase from their current provider One Click offered a like for like policy.
The user interface and accessibility is also praised. Customers often mentioned the website is easy to navigate and the chatline is fast. For example this review said the process was easy and the online and phone support was extremely helpful.
Cons
Despite the positive feedback some customers have issues. Admin fees have been a problem. A customer was charged £19.50 for a simple admin request so there’s a need for clearer fee structure. A customer was charged £49.99 for an admin task and was unhappy and left a negative review.
Also the purchase details are not visible in final documents. For example several reviews mentioned that there should be improvements in highlighting the purchased extras like legal support in the documents. This lack of clarity sometimes cause confusion and frustration.
Insurance Terms Explained
When you search for car insurance you need to understand the terms. Here’s a list of common insurance terms and their meaning:
Premium
The amount you pay for your policy, monthly or annually. Varies based on your age, driving history and type of cover you choose.
Excess
The amount you pay before your insurance kicks in. For example if you have an excess of £250 you pay this amount and your insurer will cover the rest.
Comprehensive Cover
Covers damage to your car and others, theft, fire and sometimes personal injury. This comprehensive coverage is the highest level of cover and gives many drivers peace of mind.
Third-Party Only
The minimum requirement in the UK. Covers damage to others’ property and injury to others. Does not cover your vehicle or injury to other driver.
Third-Party, Fire and Theft
Similar to third-party only but covers theft or fire damage to your vehicle. It’s a middle ground between the basic cover and comprehensive cover.
No Claims Bonus (NCB)
A discount you get for not making claims. The longer you go without claiming the bigger the discount you get on your premiums.
Policyholder
The person whose name is on the insurance policy. They are the primary person and benefits of the the insurance company itself.
Underwriting
The process insurers use to assess the risk of insuring you and setting your premium. It involves looking at your personal details and driving history.
Knowing these terms will help you make informed decisions on your car insurance policy so you get a good deal and the right cover for you. For more info refer to policy documents or speak to insurance experts.
Add-ons and Customisation
With One Click Car Insurance there are several add-ons and customisation options. These options can add extra cover and tailor made protection for your specific needs.
Add-ons
Personal Injury Cover: This will provide extra financial support if you are injured in an accident. Note that standard personal accident cover and injury cover may only pay out £10,000 for more severe injuries.
Breakdown Cover: You can add breakdown cover to your policy. This will ensure you are not left stranded if your vehicle breaks down. Options may be roadside assistance or full recovery.
Legal Protection: Legal protection cover will help with legal expenses if you are involved in a claim. This is useful if you need to claim or defend against a claim.
No Claims Discount Protection: This add-on will protect your no claims discount even if you have to make a claim. It will help keep your premiums lower in the long run.
Customisation
Second Driver: You can add a second driver to your policy. This is useful if someone else uses your car regularly. Some insurers offer insurance, including One Click will waive the fee for adding a driver if done online.
Policy Amendments: Policy changes like name changes due to marriage can be done for a fee of £20 to £30. Sometimes these fees can be waived if you do it online.
Fees
Amendment Type Fee (Approx.) Adding Second Driver £20 – £30 (May be waived) Name Change £20 – £30 Amending Policy £20 – £30
Knowing these add-ons and customisation will help you make a informed decision on your car insurance. For more info refer to Which?
Summary
One Click Car Insurance has generally good reviews from customers.
Users like how the insurer handles claims especially when it comes to accidents. Customers mentioned the support is available even on weekends.
Quoting and policy clarity is highly rated. Many found their premiums competitive and easy to opt out if needed.
Some users mentioned high administration fees which can be a problem for some. Always good to know the extra costs before you deal or commit.
Key Points:
Customer Service: Available and helpful.
Claims: Easy to use.
Premiums: Competitive and fair.
Extras: Can be high, check before you buy.
For further information and more details, you can visit One Click Insurance Reviews site and this review.