I have recently taken 2 policies with OneCall (car insurance and home insurance). By mistake I accidentally cancelled my direct debit and have just contacted them to make my missed payment and reinstate the direct debit. They were polite but very inflexible and ambiguous with their responses. I have been charged for the missed direct debit despite it being a 'first offence' and a genuine mistake that I have attempted to correct on the first working day since said mistake occurred. Despite numerous requests for this to be waived they steadfastedly refused which I think is very poor from a customer standpoint. I also asked to cancel the policy given the response and was provided with 3 different charges to cancel based on different documents (one doesn't state any charge, one states £20 to cancel and the other £55.99) and guess which one they chose to apply? Seems a bit of a cowboy operation to me, inflexible to help customers and rigidly charging as much as they can wherever they can. I would avoid if I were you.