I cancelled my car insurance policy with One Protect and was shocked to be charged nearly £500 — even though I was paying monthly and had only had the policy for two months. When I asked why the cost was so high, I was told it was based on the “number of days I’d had cover”. Only after I paid was I told the charge was actually because a fault claim had been raised (a claim I never followed through with and no payout was made). This is totally contradictory. If I had been told upfront that I’d be liable for the full annual premium because of a cancelled claim, I never would have agreed. I repeatedly asked for a breakdown before payment — they refused to give it and said it would be “sent in the post” after the cancellation was processed. Now I’m left hundreds of pounds out of pocket, without ever receiving a proper explanation, and no way to fix it unless I escalate through a formal complaint. Unclear communication, misleading information, and unreasonable charges. I would not recommend One Protect based on my experience.