• Instant cover
  • Over 16 years of experience
  • Policies from leading UK providers
  • Claims helpline open all day, every day

We believe that finding the right car insurance doesn't have to be complicated or stressful. We work with some of the leading car insurance companies in the UK to try to help you find a policy that works for you.

You need to be able to get behind the wheel with complete peace of mind, safe in the knowledge that, if something does go wrong, you'll have the appropriate cover in place. We'll provide you with a car insurance quote based on the details that you give us and then it's up to you if you want to take out a policy. Read on to find out more about how to insure your car through Be Wiser.




We offer 3 different levels of comprehensive car insurance:

Key benefits Essentials Classic Premier
Courtesy car    
Audio, sat nav and car equipment cover    
Windscreen cover    
Manage your policy online 24/7    
Motor legal expenses - up to £100,000    
Roadside Breakdown    



Whilst yours is being fixed by an approved repairer following a claim, though it would not be provided if the vehicle has been written off or stolen. 

Cover for theft or damage to audio, sat nav and in car equipment for the permanent manufacturer fitted equipment.

Cover for repair or replacement costs for windscreen and car windows, usually without affecting your no claims discount.

Access to a secure online portal to check your documents, update your details or renew your policy.

If your car is involved in a non-fault road traffic accident, Motor Legal Expenses will provide up to £100,000 of legal costs to help recover uninsured losses, such as compensation for personal injuries, loss of earnings and recovering your excess. Cover is provided by RAC Insurance Limited.

If your car was to breakdown, you’ll get assistance to help you get moving again, premier includes roadside as standard, but you can choose from four levels of cover to suit your needs.


  • Hire car cover: We can provide you a hire car for up to 28 days following a claim, in cases where your own car is stolen or can’t be repaired after an incident.
  • Choose from 4 levels of breakdown cover: Roadside, Roadside and Recovery, Recovery and Homestart, and European.

For Be Wiser Premier customers, roadside assistance is included as standard. You’ll find all the details on what is included in each level when you get a quote.

Getting back on the road is hassle-free with eRescue, our 24/7 online emergency breakdown tool. If you have breakdown cover and need to report that your car has broken down, simply visit eRescue and enter your details in just five easy steps. 


    If you've already taken out car insurance through us and want to make any changes to your cover, please log in to our secure online portal. You can access your policy documents, make changes to your details, upload documents and access policy renewal information. Learn about everything you can do in My Account.




    If you are involved in an accident and need to make a claim, don't worry. No matter what time of day it is, we're here to help thanks to our claims helpline, which is open 24 hours a day, 7 days a week. 

    Just give us a call on 0343 504 3540 and a member of our team will be on hand to get things started.


    Before you get your car insurance quote, we understand that you might want answers to a few key questions. That's why we've put together this list of frequently asked questions to help you.

    At its most basic level, Car Insurance covers the cost of damages you make to other vehicles or road users, called Third Party insurance. The higher level of car insurance, Comprehensive insurance, can cover you for damage to your vehicle — even if it’s deemed to be your fault. You can purchase optional extras to your policy such as breakdown cover and legal protection.

    The short answer is yes.

    To be considered legal to drive on the UK's roads, you need to have third-party car insurance as a minimum. Without it, you could receive a fine and penalty points on your licence and that may make your premium more expensive in the future.

    Paying annually enables you to make a single one-off payment when you purchase your Car Insurance policy. However, spreading the cost over monthly payments can often be more affordable. When paying in monthly instalments, interest is added which will cost you more over the year, so it may be worth weighing up the two options to compare which is better for your budget. Be Wiser offers you the choice of paying annually or by monthly Direct Debit. Additional fees and terms & conditions apply. Be Wiser acts as a credit broker, not a lender. 

    While third-party is the minimum-level policy that you need, comprehensive car insurance offers the most robust cover. We've outlined the differences here:

    • Comprehensive insurance means that you are covered for damage to your car, as well as for damage to another vehicle, person, animal or property. You are also covered in the event of your car being stolen.
    • Third-party, fire and theft insurance offers protection for damage caused to another vehicle, person, animal or property. It also provides cover if your car is stolen or suffers fire damage, but not for accidental damage.
    • Third-party means that you are only covered for damage to another vehicle, person, animal or property. You are not protected against any damage to your car.

    Whilst cover to drive other cars is included in some comprehensive policies, you will need to check your insurance documents to ensure your policy insures you to do so. Please be mindful that some policies may include limitations, such as only covering drivers aged 25 and over or Third Party Only cover.

    If you’ve checked your documents, and are still unsure if you’re covered, you can get in touch with us via Live Chat.

    We're open at the following times:

    Monday to Friday: 9am – 6pm

    Saturday: 9am 5pm

    The Live Chat button will only show when we have agents available to assist you.

    It's important that you check your documents to make sure that you know what is and isn't included on your car insurance. For example, many policies won't cover the cost of repairing the likes of:

    • Modified engines, wheels or brakes
    • Modified seats
    • Tinted windows
    • Personalised number plates

    And a standard UK car insurance policy won't cover you for racing. For that, you'll need specialist track day cover.

    It's hard to predict what your car insurance quote will be, as the final cost depends on a number of different factors including the level of cover that you choose, the car that you drive plus personal details such as your age, driving record and where you live. You can soon find out, though, by getting a quote online with us today.



    No. As a valid MOT is a condition of most car insurance policies, it is highly likely that your insurance policy is invalid if your car doesn’t have one. Please check your policy documents for more specific information. 

    Providing you have informed us that you are changing your vehicle, both vehicles will be covered for the duration of the day (midnight to midnight) that the change of vehicles happens.

    Both your old and new car will be covered for the day that the change becomes effective (even if this date is in the future).

    If you purchased your policy after 21st November 2023, or it is set to renew after 21st December 2023, you can now change your vehicle online 24/7 in My Account.

    Just log in to My Account and select 'manage policy', go to the "car" section and select "make a change". From here you can choose when you would like the change to be effective from and proceed with entering the details of your new vehicle.

    There may be a change to your premium as a result of this change. You'll see a quote for any increase or decrease in your premium before you decide to proceed.

    If you purchased your policy before 21st November 2023, you will need to inform us of the change of vehicle via Live Chat and we will be happy to help you.

    We're open at the following times:

    Monday to Friday 9am – 6pm

    Saturday: 9am to 5pm

    The Live Chat button will only show when we have agents available to assist you.

    To get a quote for your car insurance online through Be Wiser, all you have to do is head to our form and fill out a few basic details about yourself, your vehicle and the level of cover that you need. Within a few moments, you'll have your quote!

    You have two options: you can either pay your annual premium up front in one go or spread out the cost over monthly instalments, though keep in mind that monthly instalments could work out more expensive due to taking our credit.  It's entirely up to you.

    It can take up to 14 days for your insurance details to show on the Motor Insurance Database, but rest assured that you're still covered during this interim period. If your details don't show after 14 days, please contact us.

    You can get in touch with us via Live Chat.

    We're open at the following times:

    Monday to Friday: 9am – 6pm

    Saturday: 9am to 5pm

    The Live Chat button will only show when we have agents available to assist you.

    You can select to add our optional extras to your policy when you get a quote.

    You can get full details on our refund policy on your policy documents, but you can cancel at any time subject to no claims being made, by calling our customer service team.

    To make a claim, please call 0343 504 3540 or log your claim online on Online Claims Portal (

    Yes, please let us know once the points have been added. It's important to note that whilst it won't affect your premium for this year, it may have an impact on your renewal price.

    You should tell us about any modification to your vehicle when you get a quote, or if your modifications change, as some modifications can affect your insurance premium.

    A modification can be any alteration from the manufacturer's standard specification, including any manufacturer or dealer-fitted option, whether or not performance is altered. It could also include any other changes which could improve value, appearance, performance or handling.

    This could include modifications to the vehicle's engine, suspension or body. Vehicles fitted with special equipment or apparatus will also fall into this category. The most common modifications include, but are not limited to, performance enhancements such as exhausts, bodywork or personalised paintwork, eg. signage.

    If your vehicle has been modified, and you purchased your policy after 21st November 2023, or it is set to renew after 21st December 2023, you can amend your policy online through My Account. Login to your account and select "manage policy". If you haven't registered for an online account yet, you can do this here.

    Your premium may increase or decrease as a result of any changes you make and mid-term changes may be subject to additional fees, as detailed in our Terms of Business.

    If you purchased your policy before 21st November 2023, or have any questions about your vehicle modifications or insurance cover, our friendly Live Chat team are on hand to help at the following times:

    Monday to Friday: 9am-6pm

    Saturday: 9am-5pm

    The chat button will only be displayed when we have chat agents available to assist you.



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    We can help you to find the right policy at a price with which you're happy. We work with some of the leading car insurance companies in the UK, so get a quote and choose cover that won't leave you in the rear view mirror.