Insure wiser Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Insure wiser car insurance.

You might already know that Insure wiser offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Insure wiser the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Insure wiser car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Insure wiser

Our ratingOur opinion
Customer service & satisfaction

Free claims assistance lines are provided
Providing information about all levels of cover provided is hard as there are up to 40 different insurers
Information about the available time frame for calling the customer care agents are not provided

Cover provided

90 days cover in Europe
Bag and gadget covers are provided
Insure wiser, also known as Be wiser provides telematics insurance under their young driver’s insurance policy which is called Street wiser Young Driver’s Insurance
£2500 personal accident cover is provided. Compared to the amount provided by other insurance companies, this is on the low-side.

Value for money

Discounts are given to drivers who insure a second car under the same address
Free Misfuelling cover is provided
Free Gadget and Bag cover provided
Free Breakdown Cover is provided.

Financial strength for pay out

Insure Wiser is Financial Conduct Authority approved and also a member of the British Insurance Brokers Associate (BIBA). However, they were established in 2007. Compared to other companies who have been around for much longer, Insure wiser has an average financial ability to pay out claims.


Most of the needed information can be found on the landing page of the website
Presence of technological advancements like Black box
Presence of live bot

Safe rating for Insure wiser

Expert and customer reviews on Insure wiser

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Insure wiser's reputation.

Review organisationConsumer satisfaction rates for Insure wiser
TrustPilot3,7/5 based on 2,227 opinions
Consumer satisfaction rates on reviews for Insure wiser

To check if Insure wiser is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


Our review on Insure wiser car insurance policy

Insure wiser, also known as Be Wiser, is an independent Insurance Broker which is regulated by the FCA offers car and van insurance services with a lot of options as standard. Some of these options are breakdown cover, gadget and bag cover, keycare cover, audio equipment cover, windscreen cover, replacement vehicle. Insure wiser has up to 30 insurers providing car insurance services so some cover options would be specified by these insurers.

There are no reviews from Defaqto about this insurance company, however, on TrustPilot, it has a 3.7/5 reviews which can be considered as average. The insurance company is recommended for drivers who want a variety of options to pick from.

What does Insure wiser car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Insure wiser?

Car insurance policyAvailable at Insure wiserCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Insure wiser

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Insure wiser explained in details

Let's find out what does Insure wiser covers in its car insurance policy.

Breakdown cover at Insure wiser

Insure Wiser Breakdown cover is provided by RAC and four different levels of covers are provided. They are:

  • Roadside Assistance: the cover option provides cover for breakdowns that happen when the driver is a quarter mile away from home. It is offered as a standard for Insure wiser’s insurance policies.
  • Home: the cover option provides cover at the roadside and also at home
  • Recovery: the cover option is a combination of the first three covers listed
  • European Motoring Assistance: the cover option provides breakdown cover in European countries.

Keycare cover at Insure wiser

The Keycare cover provided is undertaken by any of the insurers listed on the website. However, Allianz is the chosen insurer in this case. Allianz would cover the cost of replacing the locks and keys in the case that they keys were stolen or misplaced provided that the loss is reported to the police within 24 hours. The maximum amount paid for this cover is £1,000

Windscreen cover at Insure wiser

Allianz which is one of the insurers offers the following as a part of its windscreen cover:

  • Cover for the payment of the replacement or repair of the glass in your car’s windscreen, sunroof or windows in the case that an Allianz approved repairer is used.
    If another repairer is used, the driver would have to pay £100 to cover this.

Motor legal protection at Insure wiser

In the case of an accident, Allianz provides £100,000 to cover for legal support for the driver. In the case of an accident, emergency medial treatment is provided for any passengers who were in the car at the time.

Personal policy injury available at Insure wiser

Insure Wiser provides a three months free personal cover plan which is attached to annual insurance policies. Free protection for personal accident would be offered in this period.

Coverage abroad at Insure wiser

Abroad coverage is available under the cover policies provided and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:
Republic of Ireland, Northern Ireland, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).

Courtesy car at Insure wiser

In the case of an accident, a replacement car hire which can be used till the problem is rectified would be provided. The approved repairer will provide the driver with a five door car, with an engine capacity of 1.6 litres that can accommodate up to five people for the duration of the repairs.

No-Claim Bonus (NCB) at Insure wiser

The NCB will keep increasing every year provided the driver does not file a claim. No percentage is provided.

When payment is made for the repair or replacement of glass in the car’s windscreen, sunroof or window, the No Cliams is not affected.

At Insure wiser, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 1 claim in 1 year.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Insure wiser car insurance terms and conditions

How much does Insure wiser car insurance cost?

You'll find below indicative car insurance quotes at Insure wiser:

Drivers'ageMonthly premium
18 years old£103,39
40 years old £42,64
60 years old£31,44
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Insure wiser insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Insure wiser?

Discounts are offered on Multicar insurance. NCB discount is also given to customers.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Insure wiser car insurance policy summarized


At Insure wiser
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysFull replacement
Personal belongings£150
Audio equipment

Not Stated

Medical expenses


Liability limit for property damage£20 000 000
Legal expense£100,000
Courtesy car benefit


Courtesy car cover

Duration of repair

Coverage abroad

90 days

Guarantees at Insure wiser


At Insure wiser
Fire excess£350
Theft excess£350
Accidental damage excess£350
Windscreen replacement excess£75
Young driver excess


Excess at Insure wiser

Admin fees

At Insure wiser
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period : £100
Cancellation fees outside cooling off period : £50

Modification fees

Adjustment fee: £35

Admin fees at Insure wiser

Other car insurance policies available at Insure wiser

Insure wiser multi-car insurance

Insure wiser offers Multi car policies and offers customers discounts when more than one car is registered under the same address on the same insurance policy. No other details as regarding the Multi car policy was given on the website.

Insure wiser black-box insurance

Ageas in collaboration with Insure wiser provides telematic car insurance services. A black box which is a small device is attached to a car to monitor the driver’s performance. Rewards or discounts are also given based on this performance. Some of the options covered by this car insurance are:

  • Windscreen cover
  • Medical expenses cover
  • Fire and theft cover
  • Personal Belongings cover.

Insure wiser van insurance

Insure wiser provides van insurance services and as Aviva is the chosen insurer in this case, the van insurance options listed would be that provided tby Aviva. Some of the offers provided are:

  • Cover if your vehicle is lost, stolen or damaged
  • Roadside repairs in the case of a breakdown and cover of up to £150 for accommodation or alternative transportation options when this happens
  • Up to £500 tool cover
  • Cover is provided in the case where the windscreen, sunroof or windows of the van has to be either replaced or fixed
  • If your keys are lost or stolen, cover is provided for the replacement of the locks or transmitters.
    In addition to this is the Misfuelling cover and gadgets and bag cover provided by Insure wiser.

How to contact Insure wiser auto insurance?

Insure wiser phone numbers 

You will find all important phone numbers to contact Insure wiser car insurance:

Contact numberOpening hours

Customer Service

0333 003 8450

Mon – Fri 8am – 8pm
Sat 9am – 5pm
Sunday 9am – 3pm


0800 2982820

24 hours a day, 7 days a week


0330 159 8723

24 hours a day, 7 days a week


0800 298 9753

Mon – Fri 8am – 8pm
Sat 9am – 5pm
Sunday 9am – 3pm

Policy renewal

Mon – Fri 8am – 8pm
Sat 9am – 5pm
Sunday 9am – 3pm

Contact numbers at Insure wiser

Insure wiser other contact details

You'll find below Insure wiser main contact details:

Contact details of Insure wiser
Email address

[email protected]

Customer account with Insure wiser login


Social mediaFacebook, Twitter, Instagram, Linkedin, YouTube
Contact details at Insure wiser

You can also contact them by mail by writing to Insure wiser car insurance:

Insure wiser car insurance
Barrett House,
Savoy Close,
SP10 2HZ

How to cancel your car insurance at Insure wiser?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Insure wiser as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Insure wiser has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Insure wiser could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.