Car Insurance You Can Count On

Get the right level of car insurance cover today and enjoy a range of free policy benefits - including RAC roadside assistance breakdown cover, misfuelling cover, legal expenses cover and 24/7 claims assistance.

With so many extras available and a leading insurer panel to choose from, we are confident that our team of insurance advisors will provide the right insurance policy for your specific needs, giving you complete peace of mind on the road.

Be Wiser with your car insurance and get a quote online now.

Get A Quote Retrieve Your Quote

Every car driver needs to take out a car insurance policy if the car is being used on the road or in public places. Car insurance is a legal requirement unless it is registered as off-road with a statutory off road notice (SORN). Insurers can protect both you and others around you if the worst should happen.

Exactly what your car insurance covers will depend on the level of cover you have requested, and as such, it’s important to find a policy that meets your needs. There are three types of car insurance cover available - third party only; third party, fire and theft; and comprehensive car insurance.

Third party only
Third party cover is the minimum legal level of insurance you need in the UK to cover your car. This insurance policy covers the cost of any damage or injury caused to another vehicle, person or their property. However, this does not cover or provide any financial assistance for any damage caused to your own car (such as repair costs) or any injury caused to you in an accident. This also doesn’t cover your car in case of fire damage or theft.
Third party, fire and theft
Third party, fire and theft offers the same level of cover as third party insurance. In addition to that, you’ll also be covered if your car is damaged through fire or if it gets stolen. Any claim made will always be subject to the fire and theft policy excess.
Comprehensive insurance is the most complete level of car insurance cover you can get. It provides cover for any damage or loss to your own vehicle, as well as third party, fire and theft.

Most car insurance policies will not cover the cost of repairing or replacing modified car parts, such as: 

  • Modified turbo engine
  • Modified steering wheel
  • Modified wheels
  • Uprated brakes
  • Removed or replaced seats
  • Tinted windows
  • Personalised number plates

Some policies may cover modifications, optional extras or adaptations made to accommodate a disability. This must be declared and agreed upon before you take out cover, and any modifications that take place during your cover will also need to be declared.

We currently don’t offer online quotes for modified car insurance policies, but we do provide quotes and policies over the phone. Call us on 0333 003 8450 to discuss your requirements.

Putting the wrong fuel in your car (filling up a petrol car with diesel or vice versa) is known as misfuelling, and it's a common mistake. Many insurers won't cover misfuelling, but at Be Wiser this is included on all private car policies as standard.

Your car insurance won't cover you for racing of any kind. If you want to use your car for track racing, you will need track day cover, and this will not be included in a standard policy.

Within some policies, certain extras may be included as standard. If these extra features are optional you can be charged more for them, but it could be worth it for a policy that perfectly meets your needs.

All annual car insurance policies with Be Wiser Insurance include RAC Roadside Assistance, misfuelling cover, gadget & bag cover, and 24/7 claims assistance.

Why Be Wiser

We Offer Wiser Value
  • FREE Legal Expenses Cover
  • FREE Misfuelling Cover*
We Won't Leave You Uncovered
  • FREE Breakdown Cover
  • 24 Hour Free Claims Helpline
We're Lovely To Deal With
  • UK Based Staff & Offices
  • Friendly Team Of Knowledgeable Staff

For full details on all our free policy extras - click here

*Free Misfuelling Cover is provided by the RAC as part of their breakdown cover

About Your Quote

In order to reduce the number of questions you need to answer, we’ve made some assumptions about your eligibility to get a quote using our online quote engine. Please help us speed up your online quotation by clicking here to check you meet this criteria.

If the below information does not apply to you, we may still be able to provide you with a quote over the phone – please call 0333 003 8450 to speak to our friendly insurance specialists.


Please Read Carefully

Please help us speed up your online quotation by confirming that the conditions below are correct:

  • All drivers are legally entitled to drive in the UK and have a valid licence
  • None of the drivers have any medical conditions which must be legally disclosed to the DVLA
  • None of the drivers have any non-motoring convictions unspent under the Rehabilitation of Offenders Act e.g. theft, dishonesty, or fraud
  • None of the drivers have ever had insurance refused, cancelled, voided, or special terms imposed on any insurance policy
  • The vehicle has not been modified in any way from the manufacturer's standard specification
  • The vehicle will not be used for private hire, competitions, rallies, trials, track days, off road events or for any purpose in connection with the motor trade