I had a Pay Monthly Policy with One Call. When I took out the policy I queried the monthly renewal but was assured that it was perfectly fine & there would be no issues. On May 2nd I was stopped by the Police for having no insurance and spent 20 minutes at the side of the road while they checked my documents. When I returned home I contacted One Call to ask about this problem. One Call - "The Insurance Database can take up to 72 hours to update. We advise customers to carry their documents" Me: "How will this prevent the Police from stopping me?" SILENCE Me: "So in effect you are saying that ALL One Call pay monthly policy holders must allow an extra 20 minutes for ANY journey undertaken in the first three days of any month?" SILENCE Are we to believe that a group of companies who only ever INCREASE their charges annually cannot afford to invest in an IT system that works in the same way banking does - i.e. instantly? BEWARE - IF YOU TAKE A MONTHLY POLICY WITH ONE CALL YOU ARE LIKELY TO BE STOPPED BY POLICE IN THE FIRST THREE DAYS OF EVERY MONTH!!!!!