Got questions about your car insurance quote, your policy, payments, making a claim, or taking out telematics insurance? Take a look at our FAQs below.

If you have a question that isn't listed, please contact us.

Insurance Quote FAQs

Remaining claim-free and conviction-free will result in you being entitled to discounts each year that you are insured, as well as avoiding certain loads on your premium. Driving a low-risk vehicle can also benefit you with more competitive premiums in the long run.

Find more information on how to make your car insurance premiums cheaper, and how to reduce car insurance premiums for young drivers.

Yes – when you seek out a quote you can request that the policy begins immediately. However, you will usually not be covered until payment has been made and cover has been issued. Check your certificate once received, to ensure that the starting date for cover is correct before driving.

You need your basic information, such as name, date of birth, address and vehicle details. You will also need to advise us on things like annual mileage; claims and conviction history; No Claims Discount and the full details of any additional drivers you wish to add.

Speak to us directly and describe your specific role. We will choose the most adequate title on our system and contact the insurer directly to ensure this would be acceptable for you.

No Claims Bonus (or No Claims Discount) is a running tally you receive in return for completing an annual policy without any Fault (or unrecovered) claims. Each year is carried forward, and a higher number of years will usually mean a larger discount, as it demonstrates your good record of safe driving.

Find out more about No Claims Discounts.

When your policy is due for renewal, the invitation will include a summary of your No Claims Discount years – you can of course also contact your insurer/broker to ask directly.

No – the main driver does not necessarily have to be the policyholder. However, the insurer will likely need to understand why this is the case and how the vehicle is used before offering a quote.

This varies depending on the insurance provider, however, the majority of insurers allow up to three additional drivers on a motor insurance policy.

Yes – insurers review all aspects of a vehicle when calculating a premium, including the make, model, value, year of make and purchase date of the vehicle.

Find out more about how your car insurance is calculated.

We do have insurers that may cover a modified vehicle, however, they would require the full details surrounding the modifications. Please contact us directly to discuss this.

Read Be Wiser’s Guide to Car Modification for more information.

If your car is modified the seller should inform you of this. Taking it to a garage for inspection will also be beneficial as they may be able to inform you of any modifications.

A Thatcham security device is an alarm or immobiliser, which has been reviewed and certified by Thatcham. They represent a higher quality alarm than the market standard.

The most commonly given and top level of cover is Comprehensive, covering your own vehicle against damages and also third parties.

There are also providers who offer Third Party Fire and Theft, and Third Party Only. These would cover any vehicles involved in an accident, excluding your own.

Find out more in our articles:

What Does Comprehensive Cover Include?

Be Wiser’s Guide To Choosing Comprehensive Versus Third Party Car Insurance

A compulsory excess is set via the insurer and is required as part of the quotation, to be paid in the event of a claim until settled.

A voluntary excess is chosen by a customer, who would voluntarily offer an additional excess (on top of the compulsory,) meaning that you would be required to pay an additional amount in the event of a claim, in return for a reduction in your insurance premium.

Find out more in our article Car Insurance Excess Explained.

Here at Be Wiser, we make a fair market comparison of a sample of insurance companies. Once you have received a quote from us, we can advise you which insurers are quoting and at what premiums for you.

Most car insurance quotes are valid for either 28 days or until the start date of the quote, whichever is sooner. However, the only way to guarantee a quote is to accept it at the time it’s offered.

If you have completed a quote on our website but nothing has returned, the insurers may be declining to quote for a specific reason. Please contact us directly and provide your quote reference, as we may be able to obtain a quote with you over the phone.

If you have received a quote on our website but not via email, please check your email is correct and also check your junk/bin folder in your email.

Insurance Policy FAQs

Most car insurance policies are annual (1 year) but certain providers can offer you a temporary policy for specific needs (for example a short-term learner policy.)

Please ensure that your email is accurate – we will read it back to you and make any correction necessary. Please also ensure to check your Junk folder, as well as any ‘other’ folders that some mail redirects to.

If you’re awaiting documents via post, they will normally take 3-5 working days to arrive. If they are not received during this time, please contact us directly for help.

Please check your policy documents and insurer wording in more detail to see if this is covered, as it varies on a case-by-case basis. Most policies will cover Towing on a Third Party Basis only.

As of August 2021, the UK has reached an agreement with the EU that, following Brexit, UK insurance policies will still allow cover in the EU. However, this level of cover can vary, and insurers will still want to know of any dates you intend to travel, so please contact your insurer/broker directly to inform them ahead of time.

If you want to travel further than an EU country, please contact us for assistance as cover abroad is not a standard inclusion for most insurers.

Please check your policy documents and insurer wording in more detail to see if this is covered – some breakdown organisations can also cover misfuelling, which can usually be purchased in tandem with your insurance cover.

No – if you do not have a valid MOT then the insurance policy will likely not be valid either, as this is a condition of most policies.

Yes – provided you complete the full year, and the No Claims Discount is valid, you can request this from the provider upon expiry (lapse) of that policy. Take that proof with you when seeking out new providers.

Payment FAQs

Most insurers will do a basic credit check against your information when setting their prices and validating your details. This is a ‘soft check’ that will not affect your credit. However, it will be visible to credit providers that your details were checked as part of an insurance quote.

You can pay your insurance in a single, annual payment; alternatively, you can pay a deposit and the remainder over monthly instalments. The exact deposit and instalments will vary, depending on the price of the policy and the quote itself.

The first instalment will be due a month after the inception date of the policy. For example, if the policy starts on 13th April, the first payment will be due on 13th May. If this date falls on a weekend, the payment will be debited the following Monday.

If a payment is not honoured, we will reattempt the payment 7 days from the payment date but will apply a £30 charge. If this payment is also missed then we will allow 7 days for you to call to make the payment, otherwise the credit agreement will be cancelled. The credit agreement cancellation is different to the cancellation of the policy.

Claims FAQs

If you have comprehensive cover, you will be able to claim for losses – including those by an uninsured driver. If you do not have comprehensive cover, you may be able to approach the Motor Insurers Bureau for help  - Claiming against an uninsured driver.

If your vehicle has been taken to a garage to be repaired following an accident or breakdown, contact them directly to enquire about retrieving the vehicle as well as any courtesy cars you may be entitled to. If you need help, contact your insurer’s claims team.

Telematics FAQs

A telematics device (black box) is a small device fitted to your vehicle, either in the interior or under the hood. Whether it’s an interior black box and whether it needs to be fitted by an engineer or not will depend on the provider.

This device will record all journeys in the vehicle and provide feedback on the performance of the driving (for example, acceleration, steering, and speed limit compliance.) It can also take an impact report if you’re involved in an accident, which is beneficial to the insurer for helping to settle a claim. Agreeing to have a black box will usually result in a discounted premium, which is a major benefit for younger drivers or those with a poor driving record.

You will be advised of this at renewal time, as some providers will ask for it to be returned, and some may allow you to remove and dispose of it yourself or leave it inside the vehicle to be remotely deactivated.