Be Wiser car insurance
Find out about Be Wiser car insurance
Last reviewed 23 August 2022
Who is Be Wiser?
Be Wiser insurance is an independent insurance broker, which acts for over 30 of the UK’s largest insurance companies. The broker is approved and regulated by the Financial Conduct Authority (FCA).
Founded in 2007, the company has insured more than a million customers to date. All Be Wiser’s staff are UK-based, with offices in both Andover and Swindon.
Be Wiser call centres are open seven days a week. The broker also offers a 24/7 emergency claims line so that you can call any time - day or night. The team takes around 25,000 calls each week, and up to 110,000 a month.
Be Wiser policies include a wide range of handy benefits as standard. Ensuring you have the cover that you need and more:
- Breakdown cover with RAC roadside assistance
- Personal accident cover, free for the first 3 months
- Gadget and bag cover
- A 24/7 helpline for claims assistance
Be Wiser offer staff CII Accredited induction training. The broker delivered an insurance industry first in 2016 by developing the BA (Hons) Insurance degree for the financial services sector. The 3 year programme combines work experience with formal study, all whilst paying a competitive salary.
Be Wiser also offers apprenticeships lasting between 12 months and 2 years. Its training scheme training received National recognition in 2015.
Be Wiser car insurance policy details
The level of policy cover you get depends on which car insurance policy you choose.
Be Wiser offers three levels of car insurance cover:
Third party only, which is the minimum legal requirement for the insurance you need in the UK to cover your car. It typically covers the cost of any damage or injury caused to another vehicle, person or their property.
This type of insurance doesn’t cover you for any damage caused to your own car, so you'll need to pay for repairs out of your own pocket. It also won't cover you if you're injured in a car accident, and you’re not protected against fire damage or theft.
Third party, fire and theft offers all the same protection as third party insurance but it'll also cover you if someone steals your car or it's damaged through fire. Be Wiser says that any claims will be subject to the fire and theft policy excess.
Comprehensive insurance is the highest level of car insurance cover that you can buy. It includes all the benefits of third party, fire and theft policies but will also cover you for any damages to your own vehicle, including repairs.
All of Be Wiser’s car insurance policies come with a range of added extras. These include:
- Misfuelling cover, putting the wrong fuel in your car is a common mistake. Lots of insurers won’t cover you for the damage but Be Wiser includes it on all private policies as standard.
- RAC roadside assistance
- Gadget and bag cover
- 24/7 claims assistance
- Three months personal accident cover
- RAC legal expenses cover
Be Wiser offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.
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