I took out an insurance policy with Be Wiser Insurance on the 21st January. They gave me a quote of £1129.62 for the year which was the cheapest I had found, so I took the policy and made payment. I had travel plans to go abroad for a month and flew out on the 24th January and returned on the 24th February. The reason for the policy being so cheap is that they agreed to offer me a 6 years claim free driving discount on the condition that I would provide the necessary documents as proof of my previous clean driving. Unfortunately I had been out of the country for one month, so they in turn have cancelled the policy as apparently I have only 21 days to provide the no claims proof in writing to them. I have just spoken to their customer services team and they said that the policy could not be reinstated, and that they would have to begin again with a new quote. They gave me a new quote of £2400 for the same vehicle and driver details! Is this inflation? They also are only willing to refund £741.04 from the original £1129.62 payment. Apparently they keep 25% commission for themselves when they cancel a policy. So having enjoyed a nice relaxing holiday for a month, I now return to find out that my insurance has been cancelled, that to renew will be more than double my previous quote only a month ago, and that they will will also only refund 65% of my original payment. Thats quite extortionate really, considering they only provided cover for 21 days, and have charged me £388.58 for those 3 weeks! I think I will remain on my fathers policy as we only paid £450 for the year with the AA! Stick to big name companies and avoid the little companies if you don't want to be ripped off!
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