Cost was a significant factor. I liked that one of the additional services identified as 'add-ons' by others was included in the premium. This review reflects only the purchase experience. Use of t... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Very good price , fairy easy to do online , Not so good bits always having to repeat your email address over and over again
Company replied
Received competitive quote promptly and was able to accept it quick and easy
Company replied
Would have been 5 stars due to cost and content. However I still like to ask questions of a human being instead of searching 10 documents over 5 layers.
Company replied
Company details
Written by the company
Wiser Choice Bike was developed in 2022 to provide quality motorcycle insurance with free Legal Expenses cover as standard. Wiser Choice is a trading name of Europa Underwriting Limited who have specialised in creating innovative motorcycle insurance solutions since 2003. We have built up an extensive knowledge of the UK's motorcycle industry and by building relationships with major UK insurers we are able to provide our customers competitive quotes for products to suit their needs.
Contact info
United Kingdom
- wiserchoicebike.co.uk
4.4
Excellent
1K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 95% of negative reviews
Typically replies within 48 hours
How this company uses Trustpilot
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Easy to sort out insurance
3 October 2026
The service is very good and price is…
The service is very good and price is very good
1 October 2026
Daylight robbers
Daylight robbers . Stole my money then cancelled my insurance then took more payments after cancellation. Avoid them like the plague.
3 July 2026
Live or Dead Chat?
Approximately 8 day remaining on my policy and I have decided not to automatically renew, eventually logged in to my account and the opt out facility is unavailable, contact us via live chat, currently been on dead chat off and on for over 2 hours with no reply. One session timed out, clicked continue and wiped everything out, marvelous, shower.
***Latest - received reply and sorted, unfortunately this experience derived from not being able to opt out via portal***
28 September 2026
Unprompted review
Underhand practice...Beware
Insurance not due for another ten days but got a email today thanking me for renewing with a completely unknown company, had to do extensive research to find it was Wiser choice insurance.
No proper renewal notice or NCB details just what the monthly payments were going to be. I clicked on a link to find more details to find a page asking me to sign the agreement with no other options.
This company needs to be reported to the Financial ombudsman.
Hence to say when I got home I cancelled the new policy and cancelled my direct debit.
Not a chance of ever getting my custom back after this underhand way of doing business.
Shame on you
9 September 2026
Unprompted review
Reply from Wiserchoice
Hi Steve
As the review has come via a third party, we have been unable to look into this for you. If a policy is up for renewal with us, we do send out notification 18 days prior, with a renewal price and confirmation as to how it would be renewed. We ask that if we have offered auto renewal biased on your previous preference, that you contact us before the renewal date to make us aware that you do not want the renewal. Reading your comments, it may be that you are referring to a credit agreement if you have requested that you pay monthly via direct debt. Again, if this was a renewal, you may have paid the same way previously, if it was new business, that would have been disclosed before your policy was set up, as you would have had to agree to the terms and conditions. If you could contact us via your portal, the live chat facility or email we can investigate this further for you.
Many thanks
Wiser Choice Bike
Took three attempts to contact
Took three attempts to contact. Clearly totally uninterested in the customer once they have your money. Avoid like the plague!
7 September 2026
Unprompted review
Reply from Wiserchoice
Hi Eric
We are sorry that you were unable to contact us. We are contactable either via your portal, or via the live chat facility on our website. Hopefully you have been able to speak to us since then, as this review comes through a third party site we are unable to locate any details to contact you and check if any further assistance is needed.
Wiser Choice Bike
Reply from Wiserchoice
Hi
Thanks for taking the time to leave a review, and for the positive feedback. We are glad that you found it so straightforward to set you policy up with us.
Wiser Choice bike
No nonsense site and no silly questions pretty straight forward
Very easy to fill in the application online and price 👌 would recommend to other bike users..
1 September 2026
Reply from Wiserchoice
Hi Carok
It is great to hear that you found it so easy to complete the application on line, and found a policy at a price that suited you!
Thanks for the recommendation!
Wiser Choice Bike
No one answers online chat or makes changes to your policy
No one answers online chat and no other way to change your policy.
Multi bike insurance, submitted to take a bike off the policy months ago, yes still on.
trying to add another bike, have been waiting for online chat for 35minutes still no one answers.
NO TEL NO TO PHONE THEM ON. WILL NOT BE BACK AFTER MY POLICY ENDS. REALLY POOR SERVICE.
2 September 2026
Unprompted review
Reply from Wiserchoice
Hi Mr G B
We are sorry that you battled to get hold of us via the live chat facility. We can see that the chat was answered by one of our agents, but there was no response. A call was also made, but we were unable to speak with you, and left a message. Thanks for trying again via the live chat, we can see that one of our agents was able to assist you with the changes you wanted to make. Being a digital broker, we do deal with our policies on line, via the live chat facility of via your portal.
Thanks for processing the change of bike with us.
Many hanks
Wiser Choice Bike
Extremely easy to follow through,and…
Extremely easy to follow through,and cheapest quote by far as my return to bikes 20+ years later.
1 September 2026
Reply from Wiserchoice
Hi Neil
Thanks for taking time to leave your review, we are glad that you found it so easy to follow and quote that suited you.
Welcome back to being on the road, ride safe!
Wiser Choice Bike
Price highly competitive
Price highly competitive and although I made an error they resolved through the live chat quickly and efficiently.
1 September 2026
Reply from Wiserchoice
Hi Gary
It is good to hear that our prices are competitive, and that the error was resolved quickly and efficiently, as that is what we aim for.
Ride safe!
Wiser Choice Bike
Very good grate price
1 September 2026
Reply from Wiserchoice
Hi
Thanks for taking the time to leave a review, much appreciated!
Wiser Choice Bike
Very Poor - Excessive Fees
Very poor, had a policy for 15 days I believe it was and had to unfortunately cancel the policy. The whole policy was £142 for the year, I got a refund of £20. £120 for 15 days of insurance, I questioned this and it's all made up of fees £75 to cancel a setup fee of £25, it's just a ripoff like most insurance. The industry needs better regulation especially when it comes to charges. Anyway rant over I won't be using them again.
13 August 2026
Unprompted review
Reply from Wiserchoice
Hi Daniel
We are sorry that you had to cancel your policy.
We have reviewed your policy and the cancellation breakdown. As the policy was cancelled outside the cooling-off period, we can confirm that the refund issued was correct.
Our cancellation fees are outlined in our Terms of Business which you have to accept before purchasing the policy.
Wiser Choice Bike
Very slow poor service
Very slow poor service, on hold for just over an hour trying to make a claim.
We’re supposed to be renewing our insurance with them which makes me feel I need to look at other much better options than this poor showing
10 August 2026
Unprompted review
Reply from Wiserchoice
Hi Gary
We are sorry that we did not meet your expectations. If you were looking to make a claim, all the contact numbers are on your policy documents, and the claim notification would not be done through us, but via the first notification of loss team. We hope that you have been able to get in contact with them, and they have been able to assist you with your claim.
Thanks
Wiser Choice Bike
A very nasty experience
Cancelled a policy and gave full permission for final payment of £60 odd pound to end policy as it was a monthly payment scheme. Two weeks later I receive an email that payment was not made. Login into portal and see a letter that the payment card was declined which is complete lies as I pay by direct debit and gave consent on the portal that final amount would be taken on the usual payment date. Went to pay online and they had increased final payment from £60 to £85. No emails, no phone calls prior to this to even say there was a problem. Tried to ring and unless you are taking out a policy or reporting an accident no one wants to talk to you. And don't even get me started about their chatbot. You would have better luck just bouncing your head against a brick wall. Please do not make the same mistake as me and avoid this company like the plague.
Update: Finally after a long wait for to speak to someone on chat. By this time I had already payed the extortionate amount of £85 to cancel the policy. I may not have mentioned earlier, but the email I had received that same day had the delightful title 'Your unpaid balance has been passed to our debt collectors'. For someone with an unblemished credit history, I did not take too kindly to this threatening behaviour. The guy I finally spoke to on chat said that a refund for the £25 would be issued within the next 5 - 7 days, no explanation, no apology for any upset caused, just like talking to a drone. We will wait and see the outcome.
7 August 2026
Unprompted review
Reply from Wiserchoice
Hi Sean
Thanks for taking the time to leave a review. We have looked in this for you. The card we had on file was valid, however there was no consent to use for recurring payments, which is why we were unable to take the payment for the outstanding balance. The direct debit is taken by Premium Credit Limited, as they are your financial provider who deal with your credit agreement. Once a policy is cancelled, they pass any outstanding balance back to us from your loan. We can see that you did make the payment via your portal of £85.98. The agent that you dealt with over live chat has refunded the additional £25.00 back to your card. The interaction with the agent will be checked, and feedback will be given. If you would like to discuss this further, please contact us via our live chat again, and we can run through our procedures with you.
Many thanks
Wiser Choice Bike
Very easy process and easy to access…
Very easy process and easy to access your documents
4 August 2026
Reply from Wiserchoice
Hi Eddie
Thanks for the great feedback, we are glad that you found it so easy to set up your policy with us.
Ride safe!
Wiser Choice Bike
Really user friendly website site and a…
Really user friendly website site and a great price
4 August 2026
Reply from Wiserchoice
Hi Simon
Thanks for taking the time to leave your review, it is great to hear that you found the website so user friendly and a policy at a price that suited you.
Ride safe!
Wiser Choice Bike
I am on hold……… STILL
I have been on the phone for an hour and 8 minutes and going around and around and around and when I do get to speak with a person or even advised by the auto answer to log in through the online portal you can’t. You can’t access the online portal from outside of the uk it appears and as I am abroad and need a copy of my policy no one and nothing is available to help which is at best mildly disappointing but actually appalling service unless this review generates a response very very soon I have an escalating problem.
4 August 2026
Unprompted review
Reply from Wiserchoice
Hi Mr Brown
Please accept our apologies about the long wait you have had trying to get hold of your policy documents. We have emailed them through to the email address we have on the policy. This way you will have access to them without trying to access the portal.
Kind regards
Wiser Choice Bike
No contact number 😠
3 August 2026
Reply from Wiserchoice
Hello Mr Seddon
We are an online insurance provider, so you would be able to contact us via our live chat facility which you can access via the website. You would be able to also get n touch with us via the customer portal link, which is also available on the website. One of our agents would be able to assist you with any queries or changes you may have.
Many thanks
Wiser Choice Bike
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