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Get a Quote
Submit your details with our 60-second form.
Confirm your details
Confirm your details and finalise your quote.
Payment
Using a one-time payment or set up a monthly agreement.
Our Car Insurance
At PremiumWise, we offer value-packed car insurance cover at a significantly lower price — without cutting corners. You’ll get the same level of protection you’d expect from traditional insurers, including comprehensive cover, legal protection, and optional extras — but at a price that makes sense.
How? Because we’re regulated to sell new business policies online only, we avoid expensive overheads like call centres and high street offices. That means we cut our costs — so you can cut yours too.
While we originally specialised in performance and classic cars for young drivers, our smart underwriting has made us the #1 choice for the everyday driver as well. In fact, the average PremiumWise customer is just 22 years old, with an average premium of only £1,800 — a figure that beats out many “budget” competitors.
In 2024 alone, we insured more modified vehicles for under-25s than Adrian Flux did for over-25s — one of the biggest names in the game.
So whether you drive something rare or regular, PremiumWise offers serious cover, for less. Ready to join thousands of savvy drivers saving money on car insurance?
Useful links
Glossary of Terms
Renewal rule update
Required documents
Policy Documents
Administration fees
Eligibility
Cancelling your policy
Types of cover
PremiumWise cover options
We offer three different levels of insurance and the option to add on additional features for extra protection. You can choose from the following:
Fully Comprehensive
Is the highest level of cover available. It gives you the same features as TPFT, plus damage to your car, whether the accident was your fault or not. This includes any vandalism damage, theft, fire and accidental damage. Without fully comprehensive cover you are at risk of having to pay for any repairs yourself. It gives you that added level of protection and peace of mind.
Third Party, Fire & Theft
Offers slightly more than the legal minimum level of cover. TPFT gives you everything you get with third party only. It also covers fire damage to your car, or damage because of a theft or attempted theft of your car. You are not covered for damaged to your own car in the event of an accident that was your fault.
Third Party Only
This is the most basic cover you can buy, legally. It means your legal liability to third parties is covered, including damage to their vehicle or compensation for injuries sustained if the accident was your fault. If your car is damaged in any way, this isn’t covered.
"Best Value for Money"
I switched to PremiumWise after comparing quotes online, and honestly, no one else came close. The cover is solid and includes everything I need – plus, it's nearly half the price of my previous insurer. Total no-brain...
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“Finally, Crypto Meets Car Insurance”
Being in the crypto space, I’ve been waiting for services to catch up. PremiumWise nailed it. I was able to pay for full coverage with Ethereum, and everything was secure and fast. Super impress...
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"I thought it was a scam"
I was sceptical at first because of how cheap the quote was, but the cover is just as good if not better than what I had before. The fact they’re FCA regulated gave me confidence. Highly recommend giving them a...
Read More
See what our customers say
Get a Quote
Submit your details with our 60-second form.
Confirm your details
Confirm your details and finalise your quote.
Payment
Using a one-time payment or set up a monthly agreement.
Our Car Insurance
At PremiumWise, we offer value-packed car insurance cover at a significantly lower price — without cutting corners. You’ll get the same level of protection you’d expect from traditional insurers, including comprehensive cover, legal protection, and optional extras — but at a price that makes sense.
How? Because we’re regulated to sell new business policies online only, we avoid expensive overheads like call centres and high street offices. That means we cut our costs — so you can cut yours too.
While we originally specialised in performance and classic cars for young drivers, our smart underwriting has made us the #1 choice for the everyday driver as well. In fact, the average PremiumWise customer is just 22 years old, with an average premium of only £1,800 — a figure that beats out many “budget” competitors.
In 2024 alone, we insured more modified vehicles for under-25s than Adrian Flux did for over-25s — one of the biggest names in the game.
So whether you drive something rare or regular, PremiumWise offers serious cover, for less. Ready to join thousands of savvy drivers saving money on car insurance?
Useful links
Glossary of Terms
Renewal rule update
Required documents
Policy Documents
Administration fees
Eligibility
Cancelling your policy
Types of cover
Valued optional extras
PremiumWise makes it easy for you to upgrade your insurance with a range of value-packed add-ons.
Legal expense cover
Protect yourself from any unexpected legal costs. From £68.40 per annum you'll be covered.
RAC Breakdown
With PremiumWise breakdown cover you receive RAC roadside assistance 24/7 all year round.
Courtesy assist
For £34.60 per year you will be provided with a replacement vehicle for up to 14 days.
Windscreen cover
Cover your windscreen, and the other car windows for only £39.99 per annum.
Personal injury
Up to £30,000 payable if you, your spouse, or civil partner are injured from a serious accident.
Excess protection
Our excess protection policy will enable you to claim back your compulsory excess.
Key cover
Cover your car keys in the event of theft or loss for only £54.99 per annum.
NCB Protection
Protect yours and any named driver's No Claims Bonus for just £49.99 per annum.
Audio equipment cover
PremiumWise will contribute up to £2,500 to replace any audio equipment stolen or damaged.
We also offer European Cover and Misfuelling Protection.
Interested in adding these to your policy?
Frequently asked questions
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How do I cancel my Car, Van or Bike InsuranceThere are a few ways to do this. We have an easy to complete form, which captures all the required information, or you can email our cancellations team, contact us through our live chat, or simply make the request through your MyPremiumWise online portal.
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When is my renewal due?We send out Renewal Invitations 21 Days before the end of your insurance policy to inform you that your policy is up for renewal. In this renewal invitation you will be quoted for the upcoming year. You then have a choice as to whether you would like to renew the policy or let it lapse. Sometimes polices will automatically renew, so act as soon as you get the renewal letter to make sure you have the cover you want.
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Do I have to inform you if I am going to Europe on holiday, do I need a green card? Also, do I need to pay for cover abroad?Please contact us if you plan on travel abroad. This is so we can confirm that you have the correct cover for the countries you are visiting. If you are travelling in the EU you currently do not need a Green Card to travel.
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Am I covered to drive across Europe?Yes, we do offer EU cover. However, there will be some details which we will need to take from you if you plan to travel to Europe. You can contact us to discuss this further using our live chat or by emailing us.
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I received my quote but how do I pay for it?Once you've received your quote, simply let us know you'd like to move forward with your cover by responding to your quotation email. We'll need you to confirm your details before making payment, so we'll send your Motor Proposal document, highlighting all the key features of your cover, in addition to the details enclosed. Once you've reviewed and confirmed them, we'll send across your payment link to collect either a one-time payment or initial deposit.
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Are you authorised and regulated by the FCA?Yes, absolutely — PremiumWise is fully regulated and authorised by the Financial Conduct Authority (FCA), under FCA reference number: 498038. This means we meet strict standards for transparency, conduct, and customer protection, so you can feel confident that you're dealing with a trusted and compliant provider. If you’d like to double-check, you can search our reference number directly on the FCA Register.
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How long do I have to report a car accident to my insurance company?You should report a claim to your Insurance company as soon as you can. Please check your policy documents as some insurers require a specific time frame for reporting your claim. We have a claims form you can complete on our website or you can call our Claims Team to report a new claim 24/7. It will speed up the process if you have your policy details and incident details to hand.
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How do I check if my insurance is active?To check that your insurance is active please visit: AskMID. To check the accuracy of your policy, please refer to your policy documents. It is important to make sure that they cover all your driving requirements correctly.
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How long will my quote last for?As our quotes hold a significant discount, all quotations produced by us are active for 48 hours. If you'd like to lock your quote in, you can either make payment or leave a £99 holding deposit, which will be used to extend your quotation for another 30 days. The £99 is non-refundable but will be deducted from your total premium, so don't have to worry about unwanted price increases.
Why use PremiumWise
We are an insurance provider set up to bring you first class insurance at the most competitive prices.
Please note, the cheapest way to get a quote from us is online.
