Quite simply the worst insurance company I have ever used. At first I got quoted a decent price for my insurance which quickly went up. Using such excuses as no claims bonus (which I provided), the area in which I live (which is lovely and highly sort after), where my car is kept (In a garage). I took it on the chin and decided to stay with them. Huge mistake. October last year a bus drove into me. Luckily there where police stuck in traffic who witnessed the entire event. I took the drivers details, the police created an incident report etc. When I got to my destination I rang One Quote Direct and explained the incident. At first they where more interested in where I was driving too. I explained that i was on my way to friends house. I was then interrogated about why I was in Manchester and that I don't have my insurance as a business insurance. I explained that I don't use my car for business. Eventually we got in to the actual incident. They created a report and told me a local garage would be in touch. A week later I got a call from TrustFord in Huddersfield to arrange taking my car in for an assessment. I took the car in which they looked around and filed a report. They then explained how much the repair would COST ME!! I explained that I am not paying a penny as the accident was not my fault. They told me that what information they had received from One Quote Direct said that the fault lied with me. I could not believe this. I range them instantly from which they said they couldn't help because they had closed the incident and as far as they're concerned the matter was finished. I tried to keep my composure and ask how they thought they could justify closing an incident when my car isn't yet fixed? I got fobbed off. I then asked that why are fords offering me a small fiesta when I needed a like for like replacement while my car was getting fixed? They recommended that I hire a car and "Try to recoup the expense from the third party." Aren't they supposed to do that?!!! What exactly am I paying them for? Long story short(ish) my car never got fixed. I had to drive around with a dent on my right wing that wasn't my fault. Recently I have purchased a new car and cancelled insurance with One Quote Direct who are now trying to chase me for £75 cancellation fee. Not a chance. Please, do not use them. They are a sham.