One Call Insurance is again being called out by customers, who say it failed to cancel their policies when asked.
This is Money previously reported on the firm not returning full refunds to its customers, despite them cancelling during the cooling-off period.
The Yorkshire-based insurer now faces claims that payment is still being taken from customers after policies have been cancelled.
One customer, who did not wish to be named, told This is Money that he has spent more than a year trying to get a refund from the firm after cancelling his policy, and is now being threatened by debt recovery firms.
A.P. said that despite informing One Call that his policy was not to be renewed, it continued to take payment before later charging him a cancellation fee.
A One Call customer is being threatened by debt collectors after trying to cancel his policy
A.P. cancelled his policy in September 2019, giving them a month’s notice of his decision by email. He also attempted to contact them by phone.
When trying to cancel the plan by logging into his One Call account, he found there was no option to do so.
He also tried to confirm this with Close Brothers, the finance company responsible for taking the payments.
The next month, his usual payment of £32.72 was taken for the ‘cancelled’ policy.
This continued to happen for the next three months, totalling £130.90. Throughout this period, A.P. was trying to get in touch with the firm to stop the payments.
Then in January 2020, One Call tried to take a further £48.30 in cancellation charges.
A.P. then wrote to One Call asking for £200 in total – the sum of the charges taken, as well the new cancellation charges it was trying to take. He asked for the latter as a gesture of apology.
The firm agreed to make an in-house complaint, but then tried to take £48.30 once again in April 2020.
This was rejected by A.P.’s bank as he had removed his payment details.
Since then One Call has threatened to use a debt recovery firm in relation to the charges.
Currently, he has been battling the company to prove he cancelled in sufficient time.
This is Money has tried to get in touch with One Call multiple times but it had not responded at the time of publication.
It seems that A.P. is not the only person to have this issue. Other customers have taken to social media to vent their frustration with the firm for the same reasons.
One Twitter user said they had been trying to cancel their policy for days on end
Another said the firm was trying to charge her father despite being in the cooling-off period
One customer said they tried to cancel over the phone but it took a long time to get through
Your rights when cancelling insurance policies
This is Money, with the help of Citizens Advice, has outlined your rights when cancelling insurance policies – both before and after the cooling-off period.
If you cancel during the cooling-off period: You may want to cancel an insurance policy if you have just bought it, but have changed your mind. By law, you have a minimum 14-day cooling-off period during which you can cancel the policy for any reason.
If you’ve bought life insurance, the cooling-off period is 30 days. This starts from the date the policy begins or the date you receive your policy documents, whichever is later. You should be refunded any premiums you have already paid.
However, your insurer may take off a small amount to cover days when the policy was in force. They may also charge you a small administration fee.
Some insurers may give you a longer cooling-off period. If you’re not sure how long your cooling-off period is, you can check the terms of your insurance policy.
If you want to cancel your policy during the cooling-off period you should contact your insurer as soon as possible.
The right to cancel during a cooling-off period does not apply to travel insurance that lasts less than one month.
Cancelling after the cooling-off period: If you want to cancel your policy after the cooling-off period, you should check your insurance policy. Most insurers will give you a refund if you have not made any claims during the policy year but you will usually have to pay administration fees.
If you are thinking of cancelling your policy because you’ve found a better deal with another insurer, it may be easier and cheaper to wait until your policy is due for renewal and then switch.
Cancelling a direct debit does not cancel your insurance policy. If you do this you will still owe your insurer the premiums. You must contact your insurer to cancel the policy.
Some policies are automatically renewed each year. It’s important to check when your policy is due for renewal, so you can make sure that it is not renewed when you don’t want it to be.
It’s a good idea to make sure you have a new policy in place before cancelling the old one so that you’re not left uninsured.
Some links in this article may be affiliate links. If you click on them we may earn a small commission. That helps us fund This Is Money, and keep it free to use. We do not write articles to promote products. We do not allow any commercial relationship to affect our editorial independence.
what is allergy medicine called kirkland allergy pills toronto allergy med comparison chart
best medicine for nausea over the counter clozapine 100mg cost
accutane 10mg generic accutane 10mg pills order isotretinoin 40mg online
amoxicillin 250mg pills purchase amoxil without prescription buy amoxicillin 500mg online cheap
get insomnia medication online buy provigil 100mg pills
cheap azithromycin 250mg azithromycin 500mg brand buy generic azithromycin online
buy gabapentin generic gabapentin over the counter
order azithromycin 250mg generic buy generic azipro 250mg order azipro 500mg without prescription
buy lasix 40mg online cheap buy lasix for sale
purchase omnacortil sale order prednisolone without prescription omnacortil 20mg price
order amoxicillin 500mg without prescription cheap amoxicillin pill order amoxicillin 1000mg online
buy albuterol pill albuterol for sale purchase ventolin online
buy augmentin pill buy clavulanate medication
purchase levoxyl generic synthroid 75mcg drug synthroid 150mcg oral
vardenafil online order where to buy levitra without a prescription
clomid us generic clomid 100mg clomid pills
order tizanidine online cheap how to buy tizanidine buy zanaflex paypal
buy semaglutide medication semaglutide 14 mg without prescription buy generic semaglutide 14mg
order deltasone 20mg pills order prednisone 10mg without prescription prednisone 20mg us
buy semaglutide paypal generic semaglutide 14 mg rybelsus 14mg uk
accutane usa isotretinoin 10mg ca buy isotretinoin 10mg sale
buy ventolin 4mg sale ventolin 2mg oral ventolin 4mg pills
buy amoxil 500mg amoxil oral buy amoxicillin pills for sale
where can i buy clavulanate augmentin 625mg canada augmentin 375mg ca
cheap azithromycin 250mg buy zithromax cheap buy zithromax generic
synthroid 100mcg for sale cheap levothyroxine pill cheap levothroid pills
order prednisolone 10mg where to buy prednisolone without a prescription order prednisolone 20mg generic
purchase clomid generic buy clomid 100mg without prescription buy clomiphene 50mg sale
viagra sildenafil 50mg viagra buy online generic viagra 50mg
cost furosemide 40mg buy furosemide 100mg without prescription buy furosemide generic diuretic
rybelsus brand buy rybelsus 14mg generic purchase rybelsus
buy doxycycline sale acticlate uk order doxycycline 200mg pills
vardenafil 20mg pills buy vardenafil pill brand levitra
free casino games no registration no download online slot games blackjack online us
hydroxychloroquine without prescription hydroxychloroquine 400mg canada buy hydroxychloroquine generic
lyrica pills pregabalin online order buy pregabalin 75mg generic
tadalafil over counter cialis tadalafil 5mg over the counter cialis
order triamcinolone for sale aristocort generic buy aristocort 4mg pill
buy cenforce 50mg online cheap order cenforce 100mg pill buy cenforce pills
generic desloratadine 5mg oral clarinex desloratadine price
buy aralen 250mg generic buy aralen pills buy chloroquine generic
buy claritin 10mg online loratadine 10mg over the counter claritin 10mg brand
buy glucophage 1000mg online buy generic glucophage order metformin
order generic priligy 30mg purchase cytotec sale order misoprostol generic
order orlistat 120mg online cheap generic diltiazem 180mg buy cheap generic diltiazem
buy lipitor pill order atorvastatin 10mg without prescription buy lipitor 10mg generic
buy norvasc 10mg pills amlodipine without prescription norvasc 10mg us
cheap zovirax 400mg acyclovir 400mg uk zyloprim 100mg pill
zestril 5mg for sale buy lisinopril 10mg without prescription purchase lisinopril online cheap
crestor for sale buy zetia sale ezetimibe 10mg brand
buy omeprazole 20mg without prescription order prilosec 20mg online omeprazole price
buy motilium 10mg without prescription motilium oral sumycin 500mg canada
cost lopressor 100mg buy metoprolol 100mg buy metoprolol tablets
cyclobenzaprine 15mg for sale oral baclofen 25mg buy lioresal without a prescription
purchase atenolol for sale buy atenolol 100mg online tenormin 50mg ca
order toradol 10mg pill buy cheap generic colchicine colchicine 0.5mg price
methylprednisolone otc methylprednisolone 16mg online buy depo-medrol pills
my father essay writing write research paper for me help with essays
buy inderal 10mg online cheap propranolol generic clopidogrel price
methotrexate 10mg oral methotrexate 10mg usa coumadin us
mobic 15mg uk order celecoxib 100mg pill buy generic celecoxib for sale
metoclopramide price how to get losartan without a prescription cozaar 50mg generic
tamsulosin price tamsulosin 0.2mg cheap buy generic celebrex over the counter
order nexium 40mg for sale buy topamax 200mg generic topamax 100mg pill
sumatriptan 50mg canada purchase imitrex generic levaquin cost
cost avodart 0.5mg order avodart 0.5mg buy ranitidine generic
buy cheap generic finasteride buy finasteride no prescription purchase diflucan generic
purchase ampicillin doxycycline for sale buy amoxicillin medication
ciprofloxacin 1000mg over the counter – cheap bactrim 960mg cheap augmentin 625mg
buy generic ciplox online – cost ciprofloxacin buy erythromycin 250mg pills
how to get ampicillin without a prescription buy generic ampicillin over the counter amoxil brand
order glycomet sale – ciprofloxacin tablet purchase lincocin for sale
buy cheap generic clozaril – buy pepcid for sale pepcid 40mg generic