One Call Insurance Services Limited

What One Call Insurance Services Limited does

One Call Insurance Services Limited is a UK-based digital insurance broker founded in 1995 and headquartered in Doncaster, South Yorkshire. The company operates as an intermediary between consumers and a panel of approximately 18 insurance providers — including Ageas, Allianz, Aviva, AXA, Covea, ERS, NIG, Markerstudy, and others — earning commission on policies placed. It serves approximately 1.6 million UK customers across personal lines (car, van, motorbike, home, travel, pet) and commercial lines (tradesman, fleet, public/employers liability, professional indemnity, cyber, motor trade, hospitality). Distribution is digital-first via a responsive website, iOS and Android mobile applications, and a 24/7 self-service customer portal, supplemented by UK-based contact centres and live chat. Sub-brands include One Call Commercial (business), One Quick Quote, and One Call Mortgage Hub (mortgage and life referrals).

The core technology stack consists of product-specific online quote engines (car, van, home, bike, pet, commercial) that aggregate insurer pricing in real time, a customer portal for document retrieval, payment management, and renewals, and mobile apps enabling on-the-go policy administration. Commercial insurance quoting is handled via a separate Acturis-based workflow at onecallcommercial.acturis.com. Data integrations include DVLA for driving licence checks, the Motor Insurance Database (MID) for coverage verification, the Claims Underwriting Exchange (CUE) for fraud prevention, credit reference agencies (TransUnion, Equifax, Experian) for affordability assessment, and Trackm8 OBD telematics for Pay as You Drive policies. The company uses PostHog session recording for quote-journey analytics, Whoson for live chat, and PayPal for payments. One Call is FCA-authorised (FRN 302961) and self-attests to WCAG 2.2 AA accessibility targets.

The business model is commission-based insurance brokerage: One Call compares quotes across its insurer panel and earns referral/affiliate commissions on policies sold, with no fixed pricing tiers disclosed. Revenue is generated through direct-to-consumer digital acquisition (website, SEO, comparison engines), supported by Trustpilot social proof (430,000+ reviews, 'Excellent' rating), content marketing via blog articles, and social media on Facebook and LinkedIn. The wider One Call Group includes wholly-owned subsidiaries One Call Claims Limited (non-fault claims handling), One Call Debt Recovery (in-house collections), OCL Solicitors Limited (legal services), and Yoga Insurance Services Limited (acquired broker brand), creating a vertically integrated operating model. CEO Nik Springthorpe oversees a workforce of 251-500 employees, all based in the UK, with the company operating exclusively in the United Kingdom.

Name

One Call Insurance Services Limited

Legal name

One Call Insurance Services Limited

Website

https://onecalldirect.co.uk

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

251–500 employees

Short description

One Call Insurance Services Limited is a UK-based digital insurance broker that aggregates quotes from a panel of approximately 18 insurers across personal motor, home, and commercial lines, serving approximately 1.6 million UK customers via website, mobile apps, and contact centres.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Insurance brokerage services
• Personal motor insurance
• Home insurance coverage
• Commercial business insurance
• Online insurance comparison

Headquarters

HQ city

Doncaster

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: One Call Insurance acts as an insurance broker, earning commissions from insurance providers on the panel for policies sold. The company aggregates quotes from multiple insurers and earns revenue when customers purchase policies through their platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

One Call Insurance Services Limited is a UK-based insurance broker that aggregates and distributes personal and commercial general insurance products from a panel of approximately 18 insurers (including Ageas, Allianz, Aviva, AXA, Covea, ERS, and others) via its online quote engine, customer portal, and mobile applications. The company earns commissions by intermediating policies across motor, home, travel, pet, life, breakdown, and small-business lines for roughly 1.6 million UK customers.

Product overview

One Call Insurance Services Limited operates as a UK-based insurance broker offering personal and commercial insurance products across multiple categories. The company provides a large panel of insurance providers including Ageas, Allianz, Aviva, AXA, Covea, ERS, and others, enabling customers to compare and obtain coverage across motor (car, van, motorbike), home (buildings, contents, holiday home), business (tradesman, fleet, liability, professional indemnity), and specialty products (travel, pet, breakdown). The product portfolio includes short-term and specialist variants (young driver, learner driver, electric car, classic car, unoccupied home) alongside add-on modules such as breakdown cover (Basic, Enhanced, Ultimate tiers), Lifestyle Excess Protection, and Helmet & Leathers insurance. Commercial insurance products are offered through One Call Commercial, covering sectors including trades, retail, hospitality, transport, and professional services. The company also offers a mobile app for policy management and maintains a customer portal for online account access.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Insurance Motor vehicle insurance for private cars, offering coverage options with access to multiple insurance providers through One Call's panel.
• Comprehensive Car Insurance Full comprehensive motor coverage with higher protection levels than standard car insurance, covering damage to the insured vehicle.
• Van Insurance Commercial vehicle insurance for vans, providing coverage for business use and cargo transport.
• Motorbike Insurance Two-wheeled vehicle insurance covering motorcycles, scooters, and similar motorized bikes.
• Electric Car Insurance Specialized insurance for electric vehicles, covering unique risks associated with EVs.
• Classic Car Insurance Insurance coverage designed for classic and vintage vehicles with specific coverage terms.
• Specialist Car Insurance Coverage for non-standard or high-performance vehicles requiring specialized insurance terms.
• Young Driver Car Insurance Motor insurance designed for younger drivers, addressing higher risk profiles associated with less experienced drivers.
• Learner Driver Car Insurance Temporary or short-term coverage for provisional licence holders learning to drive.
• Short Term Car Insurance Temporary vehicle insurance for short periods, allowing customers to get coverage for specific timeframes rather than annual policies.
• Scooter Insurance Insurance for motor scooters and mopeds, providing coverage for urban mobility vehicles.
• Bicycle Insurance Coverage for bicycles against theft, damage, and related risks.
• Caravan Insurance Specialized coverage for touring caravans, protecting against damage and associated risks.
• Home Insurance Comprehensive property insurance covering buildings and/or contents against damage, theft, and covered perils.
• Contents Insurance Coverage for personal belongings and household items within the home against damage or theft.
• Buildings Insurance Insurance for the physical structure of residential properties, covering structural damage.
• Buildings & Contents Insurance Combined policy covering both the structure of the home and personal belongings for comprehensive protection.
• Holiday Home Insurance Specialized coverage for properties rented out or used as holiday accommodations, addressing higher risk profiles.
• Travel Insurance Coverage for trip cancellation, medical emergencies, lost baggage, and travel-related risks when abroad.
• Pet Insurance Insurance covering veterinary costs, illness, and injury for domestic pets.
• Breakdown Cover Vehicle roadside assistance and recovery services offered in Basic, Enhanced, and Ultimate tiers covering roadside help, home start, and EU travel.
• Tradesman Insurance Commercial insurance for tradespeople (plumbers, electricians, carpenters) covering tools, equipment, public liability, and employers liability.
• Combined Liability Insurance Bundle of liability covers (public, products, pollution) in a single commercial policy.
• Contractors All Risk Insurance Commercial coverage for contractors covering works, materials, and third-party risks on construction projects.
• Cyber Insurance Business coverage for data breaches, cyber attacks, and associated recovery costs.
• Directors & Officers Insurance Liability coverage for company directors and officers against claims arising from management decisions.
• Employers Liability Insurance Mandatory coverage for businesses with employees, protecting against claims from work-related injuries or illness.
• Motor Fleet Insurance Consolidated coverage for businesses operating multiple vehicles under a single policy.
• Haulage Fleet Insurance Commercial motor fleet coverage for businesses operating goods vehicles for transportation.
• Taxi Fleet Insurance Specialized fleet coverage for taxi operators covering vehicles, drivers, passengers, and third-party liabilities.
• Self-Drive Hire Fleet Insurance Coverage for vehicle rental businesses covering their fleet against accidents, theft, and third-party liabilities.
• Motor Trade Insurance Coverage for motor trade businesses covering vehicles in custody, road risks, and trade operations.
• Professional Indemnity Insurance Coverage protecting professionals against claims for negligence, errors, or inadequate advice.
• Public Liability Insurance Coverage for third-party injury or property damage claims arising from business activities.
• Property Owners Insurance Coverage for landlords and property portfolio owners, covering buildings and liability risks.
• Pub Insurance Specialized coverage for licensed premises including pubs and bars, covering premises, stock, and liability.
• Restaurant Insurance Comprehensive hospitality business coverage for restaurants including public liability, employers liability, contents, stock, and business interruption.
• Shop & Salon Insurance Retail and beauty business coverage including property, equipment, stock, liability, and cyber risks.
• Office & Surgery Insurance

Quantifiable outcome

• 430,000+ customer reviews on Trustpilot with 'Excellent' rating

Named customers1 record

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

Partnerships

19 partnerships are on record, tiered core and minor.

• AgeascoreChannel Partner/ Reseller/ DistributorMajor UK insurance provider on One Call's panel. Provides motor and home insurance products offered through One Call's quote platform.
• AllianzcoreChannel Partner/ Reseller/ DistributorGlobal insurance group providing coverage options through One Call's insurance panel.
• AvivacoreChannel Partner/ Reseller/ DistributorOne of the UK's largest insurers on One Call's provider panel.
• AXAcoreChannel Partner/ Reseller/ DistributorGlobal insurance provider offering coverage through One Call's panel.
• CoveacoreChannel Partner/ Reseller/ DistributorUK insurance provider on One Call's panel offering motor and home coverage.
• ERS (Eagle Star)coreChannel Partner/ Reseller/ DistributorSpecialist motor insurer on One Call's panel, particularly for non-standard vehicle coverage.
• NIG (National Insurance and Guarantee)coreChannel Partner/ Reseller/ DistributorUK-based insurer on One Call's panel providing commercial and personal insurance products.
• MarkerstudycoreChannel Partner/ Reseller/ DistributorInsurance group providing various insurance products through One Call's panel.
• Ark InsurancecoreChannel Partner/ Reseller/ DistributorInsurance provider on One Call's panel for various coverage types.
• ParagoncoreChannel Partner/ Reseller/ DistributorInsurance provider on One Call's panel offering motor insurance products.
• SabrecoreChannel Partner/ Reseller/ DistributorInsurance provider on One Call's panel for commercial and specialty coverage.
• One InsurancecoreChannel Partner/ Reseller/ DistributorPart of the One Call Group, providing insurance products through the panel.
• One Call Claims LimitedcoreStrategic or Co-development PartnerRelated entity handling claims on behalf of One Call Insurance customers. Registered address at First Point, Balby Carr Bank, Doncaster, DN4 5JQ. Manages non-fault claims for policyholders.
• Yoga Insurance Services LimitedminorStrategic or Co-development PartnerInsurance broker and part of the One Call Group. Located at First Point, Balby Carr Bank, Doncaster, DN4 5JQ. Data shared for renewal pricing purposes with opt-out available.
• One Call Debt RecoveryminorStrategic or Co-development PartnerIn-house debt collection department for recovering outstanding payments owed to One Call Insurance.
• OCL Solicitors LimitedminorStrategic or Co-development PartnerExternal legal partner for debt recovery efforts. Located at First Floor, Unit 1, Carolina Court, Doncaster, South Yorkshire, DN4 5RA.
• One Quick QuoteminorChannel Partner/ Reseller/ DistributorTrading brand under One Call Insurance Services Limited, offering comparative insurance quotes.
• One Call Mortgage HubminorChannel Partner/ Reseller/ DistributorMortgage and life insurance referral partner, redirecting customers to OCMortgageHub for financial services.
• Just Insurance Agents LimitedminorChannel Partner/ Reseller/ DistributorThird-party partner for travel insurance referrals when customers express interest in travel coverage.

Scale indicators3 records

Recent moves2 records

Expansion highlights6 records

Direct peers

• MoneySupermarket Group: Leading UK price-comparison website for insurance, banking, and utilities. Closely comparable aggregator model in personal lines insurance.
• Hastings Direct: Online-first UK motor and home insurer targeting value-conscious consumers. Directly comparable digital distribution model and customer segment to One Call.
• Admiral Group: UK-headquartered multi-product insurer with price-comparison brands (Confused.com, Compare.com). Comparable in product breadth and UK personal lines focus, though Admiral underwrites rather than purely distributes.
• GoCompare (GoCo Group): UK price-comparison platform distributing personal insurance products across multiple provider panels. Directly comparable digital broker/aggregator model serving the same UK consumer segments as One Call.
• Compare the Market: Major UK insurance and financial services comparison platform. Competes head-on with One Call in motor and home insurance distribution, with a similar multi-insurer panel model.
• Swinton Insurance: Long-established UK high-street and online insurance broker distributing personal and commercial lines through a panel of insurers. Comparable brokerage business model serving similar UK customer segments.

Broad incumbents

• Direct Line Group: Major UK personal and commercial lines insurer with direct and broker distribution. Overlaps with One Call across motor and home but operates as a vertically integrated insurer rather than pure broker.
• LV= General Insurance: Large UK mutual insurer providing motor, home, and travel insurance both direct and via brokers. Comparable product overlap and panel-relationship dynamics with One Call.

Others

• Biba (British Insurance Brokers' Association): UK trade association for insurance brokers. Relevant ecosystem participant representing the regulatory and professional context in which One Call operates as a regulated broker.

Emerging players

• Covered Insurance: US-headquartered embedded insurance platform with UK operations. An emerging digital distribution peer pursuing API-driven insurance integration that intersects with One Call's online distribution model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/onecalldirectinsurance
• LinkedInlinkedin.com/company/one-call-insurance-ltd.
• Xx.com/onecalldirect

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about One Call Insurance Services Limited