Initially good with a competitive price and product offering. One Call is an insurance broker that finds the keenest packages depending on needs. All is well and good until a customer needs to change the vehicle within the insured period. Not from a MINI ONE to a McClaren, but what may be reasonably viewed as a minor change e.g. like for like. As a Broker finding the niche/bespoke deal that will secure custom (even with an added finders fee) there are restrictions and penalties within the small print - that may not be reasonably expected or ever encountered. Therefore, should a customer need to notify of even a like-for-like vehicle - they may find that this cannot be accommodated with the insurance company offered and paid for by the Broker. This means finding a new insurance company and incurring punitive penalties and fees imposed by the Broker e.g. equating to circa 60% of the insurance premium - ouch! The One Call online assistant was repeatedly, and frustratingly, confounded by the issue of a customer trying to stay with One Call and the fact they could not. It takes perseverance to be forced to leave at a substantial cost - stay and not have any interaction (e.g. claims, changes, issues of any type) and it will probably be fine.