diff --git a/autoload/fzf/vim.vim b/autoload/fzf/vim.vim
index 8f65425..00feaf1 100644
--- a/autoload/fzf/vim.vim
+++ b/autoload/fzf/vim.vim
@@ -873,7 +873,7 @@ function! s:complete_insert(lines)
   endif
 
   let data = call(s:reducer, [a:lines])
-  execute 'normal!' (s:eol ? '' : 'h').del.(s:eol ? 'a': 'i').data
+  execute 'normal!' ((s:eol || empty(chars)) ? '' : 'h').del.(s:eol ? 'a': 'i').data
   if has('nvim')
     call feedkeys('a')
   else