Initial response as I expected.no problems until I changed my vehicle. Telephoned response informed me of an exceptional handling charge which included the reduction of my excess on the policy. Since I was close to completing the transaction on my new car and required cover I accepted the quote and provided my credit card details for payment. Minutes later waws told that they were unable to complete the transaction but my cover had been altered to my new vehicle. Three or four days later I rang just to confirm that I was insured, this was confirmed but the requisite payment was demanded within three days. In response to my further querying this subject of decreasing my excess I was told that this would be done. I paid and have had no further communication from 1 Call and my feelings are that I would not have accepted the excess originally quoted. I will be glad at the conclusion of my cover to seek alternative quotes.