Wise driving Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Wise driving car insurance.

You might already know that Wise driving 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 Wise driving 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 Wise driving car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Wise driving

Our ratingOur opinion
Customer service & satisfaction

Excellent customer service during application and registration process
Fast and effortless access to a quote online
High number of positive reviews on Trust Pilot
No live chat feature available

Cover provided

All coverage options include a telematics tracking system (Black box)
Wide range of additional coverage options available
Abroad travel coverage available. Number of days varies from schedule to schedule
Liability to other people and property included as standard across all levels of coverage: Comprehensive, Third Party Only & Third Party, Fire and Theft

Value for money

Reasonably priced premiums
They offer discounts to new customers who have just recently started driving
High cancellation fee
High renewal fee

Financial strength for pay out

Wise Driving is a trading name of I Go 4 Ltd which is an insurance company that is underwritten by a panel of leading insurers in the UK. Due to this, their ability to pay out claims is guaranteed.


Use of telematics (black box) technology as well as telematics using mobile app
User friendly website
Fast and easy online application process
Black box is easy to plug in
Effective online portal for current customers

Safe rating for Wise driving

Expert and customer reviews on Wise driving

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

Review organisationConsumer satisfaction rates for Wise driving
Defaqto expert rating for Wise driving defaqto 4 stars 1
TrustPilot4/5 based on more than 2200 opinions
Consumer satisfaction rates on reviews for Wise driving

To check if Wise driving 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 Wise driving car insurance policy

Wise Driving Insurance focuses on providing the best premiums to young and new drivers allowing them to narrow down their service to provide exactly what this target market needs.

They use a telematics systems that is used to record acceleration, braking, speed and cornering, analyse the records, and create accurate reports about the driver’s driving skills as well as recommendations on how to improve. You can either choose to have the black box or the mobile app policy. Aside from analysing your driving skills, their black box has a cool feature that can be used to track your car in case of theft.

In addition to the generous discounts rates you can get as a new customer, you also get to build your NCB by maintaining a good driving record. We would recommend Wise Driving any young or new drivers looking to get a fairly priced insurance cover for their vehicle.

What does Wise driving car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Wise driving?

Car insurance policyAvailable at Wise drivingCoverage 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 Wise driving

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

Main guarantees at Wise driving explained in details

Let's find out what does Wise driving covers in its car insurance policy.

Breakdown cover at Wise driving

Wise Driving Insurance offers 5 levels of Breakdown Cover that is provided by RAC (An automative repair service that they’ve partnered with to carry out their Breakdown Services to clients):

  • Roadside Cover: this covers breakdown services within the UK more than 1/4 mile from your home address. They don’t charge you any call-out fee.
  • Roadside and Recovery Cover: this inlcudes roadside breakdown services within the UK a 1/4 mile from your home address, and local recovery of the vehicle and 8 passengers including the driver to a single destination.
  • Roadside, Recovery and At Home Cover: this covers the benefits you get with Roadside and Recover Cover along with Breakdown assistance if your car breaks down at your home address or within 1/4 miles from your home address.
  • Roaside, Recovery, At Home and Onward Travel: this covers all of the benefits that come with the Roadside, Recovery and At Home Cover as well as alternative transport or overnight accomodation should they not be able to repair your vehicle at the roadside.

Roadside, Recovery, At Home, Onward Travel and Europe: this cover consists of the benefits you get with the Roadside Recovery At Home and Onward Travel as well as breakdown assistance while traveling in Europe.

Keycare cover at Wise driving

£1500 for replacement of lost or stolen keys and locksmith charges.

Windscreen cover at Wise driving

Windscreen cover is included as a standard if you take the Comprehensive Policy.
It covers damaged or broken windows and windscreen as well as bodywork damage caused by the glass breaking. Claims for Windscreen cover will not affect your NCB.

Motor legal protection at Wise driving

Up to £100,000 of legal costs in case you are involved in an accident that is not your fault.

Personal policy injury available at Wise driving

Up to £5000 if you or your spouse is injured, dead or lost a limb as well as total loss of sight in one or both eyes.

Coverage abroad at Wise driving

Wise Driving Insurance offers abroad cover to EU countries. The number of days vary from schedule to schedule. You’re advised to inform your insurer about your travel plans so as to get the right cover as well as a Green Card if it’s required at the point of entry of the country you’re visiting.

No-Claim Bonus (NCB) at Wise driving

Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you. You can also opt for an NCB protection cover at an additional charge.

If you’re involved in an accident that was your fault, your NCB will be affected. If the accident wasn’t your fault, your NCB will not be affected provided that Wise Driving manages to recover the cost from the responsible party.

Claims on the following will not affect your NCB:

  • Windscreen cover repair or replacement. (Note: Does not involve sunroofs or glassroofs)
  • Emergency treatment fees on road side in case of injury during an accident.
  • Incidents caused by vandalism (provided the damage wasn’t caused by you, a family member or anyone insured by the policy)
  • Incidents caused by an uninsured driver.

At Wise driving, 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) : 2 claims in 5 years

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. 

Wise driving car insurance terms and conditions

How much does Wise driving car insurance cost?

You'll find below indicative car insurance quotes at Wise driving:

Drivers'ageMonthly premium
18 years old£111,91
40 years old £46,15
60 years old£34,03
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Wise driving 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 Wise driving?

They offer discounts to new customers as well as a No Claims Discount for good driving.

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!

Wise driving car insurance policy summarized


At Wise driving
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£750 as a standard
Personal belongings£400
Audio equipment

Excess- Not Stated
Limit- £150

Medical expenses

Excess- Not Stated
Limit- £200

Liability limit for property damage£20,000,000
Legal expense£75,000 as standard in Comprehensive
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair of your car

Coverage abroad

Varies depending on schedule

Guarantees at Wise driving


At Wise driving
Fire excessExcess- Not Stated
Limit- £250 (sign writing, advertisements, logos or specialised
Theft excessExcess- Not Stated
Limit- £250 (sign writing, advertisements, logos or specialised
Accidental damage excessNot stated
Windscreen replacement excessNot Stated
Young driver excess

Not Stated

Excess at Wise driving

Admin fees

At Wise driving
Interest charged by payment installments

Not Stated

Renewal fees


Cancellation fees

Cancellation fee: £75 plus a percentage of the premium during which you were covered.
Removal of black box due to cancellation or end of policy fee: £90

Modification fees

Change of vehicle fee: £120 for installation of black box and £35 for administration fee.

Admin fees at Wise driving

Other car insurance policies available at Wise driving

Wise driving black-box insurance

Wise Driving offers 2 types of telematics insurance cover: Black Box or Mobile App.

How Wise Driving Black Box works:

  • You set up a time and place to have an engineer install the box in your car
  • The black box will analyze your driving skills based on your speed, acceleration, braking and cornering. You’ll be receiving a driving score out of 100 and feedback on how to improve
  • Wise Driving tailors your policy premium based on your total driving score.

How WiseDriving App Works:

  • Once you purchase the WiseDriving App Policy, the company will send you a WiseDriving device over the next few days
  • You will be instructed to install the deive in your vehicle’s 12v socket
  • Next step is to download the WiseDriving App into your mobile phone and set it up
  • You’ll be required to tether your phone to the WiseDriving App whenever you drive.

Both the Black Box and Mobile App do the same thing. Only difference is, the app has to be downloaded to your phone which is then tethered to a device in your car and it automatically records your driving skills while driving whereas with the Black Box, you don’t need to connect your phone or install the app.

Only the Black Box as an anti-theft tracking device.

Wise driving business car insurance

If your Certificate of Motor Insurance includes business use, Wise Driving will cover the legal costs of your employer if an accident happens while using the car for business in the event that there is no presence of any specific insurance.

Wise driving van insurance


How to contact Wise driving auto insurance?

Wise driving phone numbers 

You will find all important phone numbers to contact Wise driving car insurance:

Contact numberOpening hours

Customer service

01733 308358

Monday to Friday: 9am-8pm
Saturday: 9am-5pm
Sunday: 10am-4pm


0800 008 6709

Available 24/7


01733 308325

Monday to Friday: 9am-8pm
Saturday: 9am-5pm
Sunday: 10am-4pm

RAC Breakdown

0330 159 0251

Available 24/7


01733 308357

Monday to Friday: 9am-8pm
Saturday: 9am-5pm
Sunday: 10am-4pm

Theft Tracking

0333 202 0001

Available 24/7

Contact numbers at Wise driving

Wise driving other contact details

You'll find below Wise driving main contact details:

Contact details of Wise driving
Email address

[email protected]

Customer account with Wise driving login

WiseDriving Account Login

Social mediaTwitter, Facebook, Instagram
Contact details at Wise driving

You can also contact them by mail by writing to Wise driving car insurance:

iGO4 House, Staniland Way, Peterborough
United Kingdom

How to cancel your car insurance at Wise driving?

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, Wise driving as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Wise driving 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.

Wise driving 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’.