Wise driving Car Insurance Review
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyThis 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 rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Excellent customer service during application and registration process | |
| Cover provided |
All coverage options include a telematics tracking system (Black box) | |
| Value for money |
Reasonably priced premiums | |
| 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. | |
| Technology |
Use of telematics (black box) technology as well as telematics using mobile app |
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 organisation | Consumer satisfaction rates for Wise driving |
|---|---|
| Defaqto expert rating for Wise driving |  |
| TrustPilot | 4/5 based on more than 2200 opinions |
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.
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 policy | Available at Wise driving | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
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
Good to know
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'age | Monthly premium |
|---|---|
| 18 years old | £111,91 |
| 40 years old | £46,15 |
| 60 years old | £34,03 |
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.
Good to know
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
Guarantees
| At Wise driving | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| Loss or theft of keys | £750 as a standard |
| Personal belongings | £400 |
| Audio equipment | Excess- Not Stated |
| Medical expenses | Excess- Not Stated |
| 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 |
Excess
| At Wise driving | |
|---|---|
| Fire excess | Excess- Not Stated Limit- £250 (sign writing, advertisements, logos or specialised artwork) |
| Theft excess | Excess- Not Stated Limit- £250 (sign writing, advertisements, logos or specialised artwork) |
| Accidental damage excess | Not stated |
| Windscreen replacement excess | Not Stated |
| Young driver excess | Not Stated |
Admin fees
| At Wise driving | |
|---|---|
| Interest charged by payment installments | Not Stated |
| Renewal fees | £90 |
| Cancellation fees | Cancellation fee: £75 plus a percentage of the premium during which you were covered. |
| Modification fees | Change of vehicle fee: £120 for installation of black box and £35 for administration fee. |
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
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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 number | Opening hours | |
|---|---|---|
Customer service | 01733 308358 | Monday to Friday: 9am-8pm |
Claims | 0800 008 6709 | Available 24/7 |
Renewals | 01733 308325 | Monday to Friday: 9am-8pm |
RAC Breakdown | 0330 159 0251 | Available 24/7 |
Sales | 01733 308357 | Monday to Friday: 9am-8pm |
Theft Tracking | 0333 202 0001 | Available 24/7 |
Wise driving other contact details
You'll find below Wise driving main contact details:
| Contact details of Wise driving | |
|---|---|
| Email address | |
| Customer account with Wise driving login | WiseDriving Account Login |
| Social media | Twitter, Facebook, Instagram |
| Chatbot | No |
You can also contact them by mail by writing to Wise driving car insurance:
iGO4 House, Staniland Way, Peterborough
PE4 6JT
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.
Watch out!
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’.
