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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.
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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.
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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.
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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.
Fully Comprehensive
Is the highest level of cover available. It gives you...
Third Party, Fire & Theft
Offers slightly more than the legal minimum level of cover...
Third Party Only
This is the most basic cover you can buy, legally...
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
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.
