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Car Insurance Quotes

Call Wiser works with over 30 of the UK’s leading insurance providers to help drivers find the best car insurance deals possible.

Whether you are looking to sign up for a new policy, renew your existing one or make a claim, Call Wiser works closely with the top car insurers in the UK to get you the best deal possible.

Our warm and friendly UK based staff are located in our offices in Andover, Hampshire and they are ready to take your call. We want to make things are easy and efficient for you as possible – keeping paperwork to a minimum and answering calls as quickly as possible.


Car Insurance From Over 30 Providers

Customers that apply for car insurance with Call Wiser can receive a competitive quote in just 10 minutes. Alternatively, you can request a quote online and fill in a few basic details and someone from our dedicated team will get back to you very soon.

We have a range of covers to choose from and the flexibility to tailor make a policy that suits you. We have a number of proven ways to get the best deal for our customers including price comparison from leading insurers, discounts for safe drivers, multicar policies and using excess cover levels effectively.

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What Information Do I Need To Provide?

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Before receiving a quote, we will ask you a few simple questions and you can help us by having your car registration, driver’s license and annual mileage figures available and ready to go.

Information about the driver(s) – We require basic information about the drivers on the policy include your name, age, occupation, marital status, home addresses, residency and contact details.

The age of the main driver is an important cost factor because lower premiums are typically available for older and more experienced drivers as statistically they are less likely to be involved in a claim.

As well as the level of experience, we will ask if there are any additional drivers to be placed on the policy as there are potential discounts for buying insurance in bulk.

The area where you live will also be important, as some regions are riskier than others due to security, weather and road conditions.

Claim history – We need to understand how many claims or motoring convictions you have had in the past. If you have driven for a number of years without making a claim, you may be eligible for a no claims discount which can allow you to save up to 85% on your premium.

Type of car – You will be asked to provide details of your vehicle including the make, model, year, engine size, number of doors and date purchased. New cars are not necessarily cheaper to insure than old cars, but the factors we consider include how secure the car is, how modified it is and how expensive the spare parts are to replace.

Purpose – The reason that you use your car is very important as prices will vary for someone that drivers socially and domestically compared to someone that commutes hours to work everyday. Keeping below the average mileage in the UK of around 8,000 miles a year will also reduce the cost of your policy.

Over the last 12 months, the average cost for a car insurance policy with Call Wiser was £599.83 – so keeping premiums as low as possible is something we are very passionate about.

What Cover Is Available?

Third Party Cover

Third party cover is the minimum legal requirement you need to drive on UK roads. It allows you to pay for damages inflicted on third parties including other drivers, pedestrians and property. So if you are involved in an accident which may have been your fault, having third party cover allows you to pay for any damages, repairs, legal or medical bills for other people.

Third party cover only covers the other people on the road that you come into contact with and will not pay for any damages or repairs on your own vehicle.

This level of cover is ideal for those vehicle owners that:

  • do low mileage each year
  • have a vehicle that isn’t worth much and might be easier to replace than repair
  • live in an area of high risk due to weather conditions or crime
  • have zero no claims bonus

Third party, Fire and Theft – The Next Level Up

This is similar to third party but there is additional cover for your vehicle in the event of a fire or your car is stolen. Again, this is ideal for those that do little driving every year.

This level of cover will still not pay out claims for any damages or repairs to your own vehicle. So if you have a crash, get a scratch on your car or are victim of vandalism, you will be required to pay for the repairs out of your own pocket.

Fully Comprehensive

Fully comprehensive or ‘fully comp’ is the most level of cover you can receive and it can actually be the cheapest too. This covers your vehicle for all damages, repairs and replacements to third parties and your vehicle too. So in the event of an accident, fire, theft, flood or other peril, a fully comprehensive policy has you covered.

The reason that fully comprehensive can sometimes be the cheapest is because some insurers have noticed that high-risk drivers like young drivers or those with a large claims history have been opting for just third party cover because it is cheaper. However, there are still huge risks involved, so it makes sense that the price for third party and fully comprehensive have become quite similar.

Insurance Is A Legal Requirement To Drive On UK Roads

Car insurance in the UK is a legal requirement if you want to drive on the roads. There are penalties for driving without insurance, including a fixed penalty of £300 and 6 penalty points. If your case goes to court, you can receive an even greater fine and potentially lose your license.

If you have a vehicle that you are not using on the road due to display purposes or because it doesn’t work, you will not be required to pay for insurance provided that you make a SORN (Statutory Off Road Notification). This involves submitting a form to the DVLA and means that you will not need to purchase insurance. This can be reversed at any time if you ever want to drive the vehicle on the road again.

If you have an accident causing damage or injury you must give the following to anyone with ‘reasonable grounds for requiring them’, for example an insurance company:

a) your name and address
b) the vehicle registration number

If the vehicle is not yours, you also need to give the owner’s name and address. If you don’t give your details at the time of the accident you need to report the accident to the police within 24 hours. You must also report the accident to your insurance company, even if you’re not planning to make a claim.


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