One Call Claims

What One Call Claims does

One Call Claims Limited is a UK-based claims management and accident management company founded in 2006 and headquartered in Doncaster, South Yorkshire. The company operates as a delegated claims handler for One Insurance Limited, processing motor and home insurance claims on behalf of multiple affiliated insurance brands including One Call Insurance, One Click Direct, One Protect, One Direct, Yoga Insure, and the recently launched digital-first Zen Insurance brand. Its service covers the full claims lifecycle from first notification of loss through assessment, repair coordination, credit hire vehicle provision, total loss settlement, and cost recovery from at-fault third parties in non-fault accidents.

The company's product portfolio spans core motor and home claims handling, a tiered home emergency cover product (Basic, Enhanced, Ultimate), motor breakdown cover, credit hire and credit repair services, GAP insurance, motor legal protection, and several add-on modules such as Helmet & Leather Cover, Tools in Transit, Lifestyle Excess Protection, and Home Legal Expenses. Technology infrastructure includes a 24/7 online claims portal with document upload and status tracking, live chat support during extended opening hours, and — for the Zen Insurance brand launched in May 2026 — Verisk Ignite's cloud-based end-to-end policy management platform combined with Applied Systems Europe's Applied Rating Hub, which provides single real-time connectivity to over 30 personal lines insurers and MGAs and access to more than 100 insurance products.

One Call Claims generates revenue through claims management fees on managed services, transaction-based fees on credit hire and credit repair work (where the company fronts the cost of replacement vehicles or repairs and recovers from at-fault insurers), and — most recently — direct premium revenue via the Zen Insurance digital brand. Distribution is principally through B2B partnerships with affiliated insurance brands, with a growing direct-to-consumer digital channel via zen-insure.co.uk. The company employs 51 to 100 staff and is authorised and regulated by the Financial Conduct Authority (firm reference 714016) for claims management activities.

Name

One Call Claims

Legal name

One Call Claims Limited

Website

https://onecallclaims.co.uk

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

51–100 employees

Short description

One Call Claims is a UK claims management and accident management company that handles motor and home insurance claims as a delegated handler for multiple affiliated insurance brands, including its own recently launched digital-first Zen Insurance brand.

Ownership category

akta.pro rank

Product category

Insurance Claims Management

NAICS

Claims Adjusting (524291), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Claims Management & Digital FNOL Platforms (FSAGAGAC)

akta.pro secondary industries

Claims Administration & TPA Services (FNOL, Subrogation, Litigation Mgmt) (TLABANAH), Claims Advocacy & Loss Recovery Services (FSAEADAH)

Keywords

• Insurance claims management
• Motor claims handling
• Accident management services
• Home emergency assistance
• Digital insurance distribution

Headquarters

HQ city

Doncaster

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Claims Management Services: One Call Claims handles insurance claims on behalf of One Insurance Limited and other insurance brands. The company processes motor claims, home emergency claims, and accident management services, recovering costs from at-fault insurers in non-fault cases.
2. Accident Management: Provides credit hire vehicles and vehicle repairs for non-fault accidents, recovering costs from the at-fault party's insurer. Includes services like Guaranteed Hire Vehicle cover and Comprehensive Plus add-ons.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

One Call Claims is a claims management and accident management company. It handles motor and home insurance claims, coordinates vehicle repairs and total-loss settlements, provides home emergency assistance, credit hire, credit repair, and breakdown support, and serves insurance brands through delegated claims handling and policyholder portals. It also operates the Zen Insurance digital car insurance brand for direct digital distribution.

Product overview

One Call Claims operates as an accident management and claims handling company offering a unified service platform for motor and home insurance claims. The core offerings include Motor Claims Management (car, van, motorcycle), Home Emergency Cover (available in Basic, Enhanced, and Ultimate tiers), and Home Insurance Claims. The company provides a portfolio of add-on insurance products including Breakdown Cover (Basic/Enhanced/Ultimate), Guaranteed Hire Vehicle, Comprehensive Plus, Motor Legal Protection, Helmet & Leather Cover, Tools in Transit Cover, Lifestyle Excess Protection, Home Legal Expenses, and GAP Insurance. One Call Claims also offers services such as Credit Hire and Credit Repair for non-fault accidents, and One Call Rescue for 24/7 breakdown assistance. The company manages multiple insurance sub-brands (One Call Insurance, One Click Direct, One Protect, One Direct, Yoga Insure, and Zen Insurance) and provides a unified digital Claims Portal for 24/7 claim tracking and document management. One Call Claims acts as a delegated claims handler for One Insurance Limited and also provides accident management services for other insurance customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Motor Claims Management Full-service motor claims handling for car, van, and motorcycle insurance, including accident reporting, claims tracking, repairs coordination, and total-loss settlements.
• Home Emergency Cover 24/7 home emergency assistance for urgent household issues including burst pipes, broken boilers, water leaks, home security issues, and wasp nest removal, available in Basic, Enhanced, and Ultimate tiers.
• Home Insurance Claims Buildings and contents insurance claims handling, covering accidental damage, storm damage, escape of water, and related home insurance claim types.
• Breakdown Cover Vehicle breakdown assistance available in Basic (roadside assistance and recovery), Enhanced (unlimited callouts with home start and misfuelling), and Ultimate (includes key loss assistance) tiers.
• Guaranteed Hire Vehicle Replacement vehicle provision for up to 28 days (or 90 days with Guaranteed Hire Vehicle Plus) when a policyholder's vehicle is being repaired or awaiting total-loss settlement.
• Comprehensive Plus Enhanced Driving Other Vehicles cover providing fully comprehensive protection up to £20,000 when using another vehicle occasionally or in an emergency.
• Motor Legal Protection Legal cost coverage and solicitor services for recovering uninsured losses after non-fault accidents, with Basic cover up to £50,000 and Enhanced cover up to £125,000.
• Helmet & Leather Cover Protection for motorcycle helmets and leathers up to £1,000 per claim following a motorcycle accident, covering damage to riding gear in crashes or road traffic incidents.
• Tools in Transit Cover Coverage up to £2,500 for tools and equipment damaged or stolen from a motor trade vehicle, designed for tradespeople who transport tools to and from job sites.
• Lifestyle Excess Protection Add-on enabling policyholders to claim back insurance excess payments across motor, home, pet, and travel insurance policies, up to £2,000 per claim.
• Home Legal Expenses Legal cost coverage up to £100,000 for contract disputes, employment issues, and other legal matters, including family legal protection, pursued through a network of solicitors.
• GAP Insurance Guaranteed Asset Protection (GAP) covering the difference between the original purchase price of a vehicle and the insurance payout in the event of a total loss, up to £15,000.
• One Call Rescue 24/7 vehicle breakdown assistance available 365 days a year for accidental damage, vehicle failure, or roadside incidents requiring immediate support.
• Credit Hire Non-fault accident management service providing a temporary like-for-like replacement vehicle funded through credit hire, with costs recovered from the at-fault party's insurer.
• Credit Repair Non-fault accident management service funding vehicle repairs through credit, with costs recovered from the at-fault party's insurer, enabling claimants to avoid using their own policy excess.
• Zen Insurance Digital-first UK car insurance brand offering no-touch online self-service, leveraging Verisk Ignite cloud policy management and Applied Rating Hub connectivity to 30+ insurers and MGAs and 100+ products.

Quantifiable outcome

• No-touch digital insurance experience through online portals and self-service options
• +2 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Verisk AnalyticscoreTechnology or Integration · 11 May 2026One Call partnered with Verisk Analytics to launch Zen Insurance, a digital-first car insurance brand in the UK. The platform leverages Verisk Ignite's cloud-based end-to-end policy management system, enabling no-touch car insurance with online self-service capabilities. Verisk Ignite provides the technical infrastructure for automated policy lifecycle management.
• Applied SystemscoreTechnology or Integration · 11 May 2026One Call partnered with Applied Systems Europe to integrate Applied Rating Hub into the Zen Insurance platform. Applied Rating Hub provides single real-time connectivity to over 30 personal lines insurers and MGAs, accessing 100+ insurance products. This integration enables automated comparative rating and policy binding for digital car insurance distribution.
• Zen InsurancecoreStrategic or Co-development Partner · 11 May 2026Zen Insurance is a digital-first car insurance brand launched by One Call in May 2026. It represents One Call's expansion beyond its traditional broker model into the direct digital insurance market. The brand offers no-touch, fully digital customer experience through online portals, live chat, and self-service options, with plans to expand into other vehicle categories and home insurance.
• One Insurance LimitedcoreStrategic or Co-development PartnerOne Call Claims acts as a delegated claims handler for One Insurance Limited, managing motor and home insurance claims on their behalf. The company handles the full claims lifecycle including first notification, assessment, repair coordination, and settlement.
• One Call InsurancecoreChannel Partner/ Reseller/ DistributorOne Call Insurance is an insurance brand for which One Call Claims handles claims processing. The brand operates through a dedicated claims portal at portal.onecallinsurance.co.uk.
• One Click DirectminorChannel Partner/ Reseller/ DistributorOne Click Direct is an insurance brand with claims handled by One Call Claims through portal.oneclickdirect.co.uk.
• One ProtectminorChannel Partner/ Reseller/ DistributorOne Protect is an insurance brand with claims handled by One Call Claims through portal.oneprotectinsurance.co.uk.
• One DirectminorChannel Partner/ Reseller/ DistributorOne Direct is an insurance brand with claims handled by One Call Claims through portal.onedirectinsurance.co.uk.
• Yoga InsureminorChannel Partner/ Reseller/ DistributorYoga Insure is an insurance brand with claims handled by One Call Claims through their platform.
• OCL SolicitorsminorImplementation/ SI/ Consulting PartnerOCL Solicitors assist in pursuing and defending claims on behalf of One Call Claims. Their registered address is First Floor, Unit 1, Carolina Court, Doncaster, South Yorkshire, DN4 5RA.
• One Call Debt RecoveryminorImplementation/ SI/ Consulting PartnerDebt collection company used by One Call Claims to recover money owed by customers.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Questgates: UK specialist claims management firm focused on complex, high-value, and niche lines. Comparable as a mid-sized UK claims management provider with multiple principal relationships.
• Sedgwick UK: Global loss adjusting and claims management firm with a strong UK TPA practice. Comparable as a multi-line claims administrator handling motor, property, and liability claims on behalf of insurers and corporates.
• Markerstudy Group: UK insurance group owning MGAs and claims handling operations. Comparable as a UK motor-heavy insurance services group that combines underwriting, distribution, and claims handling under one roof.
• Carpenters Group: UK-headquartered claims management and legal services firm handling motor injury, credit hire, and counter-fraud work. Heavily comparable as a UK-based claims handler with credit hire and accident management exposure.
• Davies Group: Major UK claims management and TPA provider serving major insurers and Lloyd's syndicates. Closest direct competitor given shared business model of outsourced claims handling, adjusting, and injury management for motor and property lines.
• Crawford & Company UK: Large global claims management provider with UK operations serving major insurers on motor, property, and casualty claims. Comparable in claims administration, loss adjusting, and TPAs scope.

Broad incumbents

• Direct Line Group: Major UK general insurance carrier with in-house motor and home claims capability. Comparable as a UK motor insurer of similar scale that handles its own claims but could outsource portions to One Call.

Regional players

• BGL Group: UK insurance distribution group (Compare the Market, Junction, etc.). Comparable as a UK insurance distribution platform that works with multiple insurer brands and has its own claims and pricing technology.
• Admiral Group: One of the UK's largest motor insurance distributors. Comparable as a UK digital-first motor insurance operator that owns the customer relationship and could either partner with or compete with One Call Claims and Zen Insurance.

Others

• Verisk Analytics: Data and analytics provider for the insurance industry, with Verisk Ignite the platform underpinning Zen Insurance. Comparable as a strategic technology partner whose platform decisions shape One Call's competitive position.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/commercial-legal

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Claims