I was denied the 14 days cooling off period by One Call Insurance, and one and a half month later, asked me to pay an additional £350 as I had forgotten to mention an incident on private land which happened 4 years ago. Had One Call informed me during the cooling off period that they had noticed that they had found this on their Database, I would not have wanted to pay the £350 and use my right to withdraw without penalties and fees. I had paid £590 for the insurance (with 9 years NCD), and they wanted to refund £238. I was two days explaining they were mainly at fault for having acknowledged that my information had been received and accepted, yet they forgot this as 6 weeks later, they deliberately were going to debit my card for £350 or cancel my policy. They contacted me by text when I had asked no text, email only, on 22nd June and threatened to cancel the policy the same day. I spent 5 hours on their chat line (the only communication with One Call, no tel. number, no email), on the first day, and 3 1/2 hours the second day. They had also charged me twice for the Breakdown option which was included free in the policy, and also charged me twice for a Courtesy Vehicle, when this too was included in my policy. Finally, I pointed out to the agent that One Call had been taken to Court and were made to pay a £654.000 in January 2016, and I will follow the same path, take them to Court for denying me my legal 14 day cooling off period. A Manager came on the line and waved all the penalties and charges and agreed to refund my policy in full less the pro rata usage. The outcome is fine, but I wasted two full days, I was worried to loose such much money as I had paid in full for the year. Had I taken it to Court, I would have been granted compensation, but now it is sorted out and I am recouping from this unpleasant experience.