Key Restrictions
(Please refer to policy wording for full terms and conditions):
- Electricity failure of at least one circuit
- Loss of the only keys to the property and for house keys only
- Up to £250 for Accommodation if the emergency cannot be resolved in a safe enough manner
Key Exclusions
(Please refer to policy wording for full terms and conditions):
- External drains and pipes
- Replacement water tanks and radiators
- Electricity to Alarms
- External lighting and security camera
- Window locks and internal doors
- Keys to internal doors, garages and outbuilding
- Pest infestations not directly affecting the living areas
- Damage to flat roofs over 10 years old
- Claims within the first 30 days of the insurance policy

Family Legal Cover and ID Theft Assistance

This policy is designed to cover the costs of legal and professional fees acquired by the insured person including exposure to Identity Theft. The cover:

Personal Injury

Consumer Disputes

Home Rights

Taxation

Employment

Criminal Prosecution Defence

Education

Probate

Jury Service Expenses

Identity Theft

Key Restrictions
(Please refer to the policy wording for full terms and conditions):
- Professional Fees may be limited if there is no reasonable prospect of success;
- Claims must be reported in 30 days;
- Claims limit of £50,000 any one claim any one period of insurance;
- Claim limit of £5,000 for education appeals.
Key Exclusions
(Please refer to the policy wording for full terms and conditions):
- Any costs, expenses or losses due to fraudulent actions made by the policyholder or in connection with the policyholder;
- Costs incurred before contacting the helpline are not covered
- Personal Injury claims involving medical or clinical negligence, or pharmaceutical or any related claims (including but not limited to tobacco products)
- Consumer Dispute and Home Rights claims with local or government authorities;
- Aspect Enquiries less than £100;
- Employment claims where the dispute arises within the first 90 days of the first period of Insurance unless you can provide evidence that you had equivalent cover immediately prior to the original inception of this policy without a break in the period of cover;
- Criminal Prosecution defence of any offence of deliberate and willful criminal acts or omissions;
- Criminal Prosecution defence of any offence relating to a motorbike/vehicle;
- The first 5 days of Jury Service;
- Excludes ID theft connected with the policyholder’s business, profession or occupation.

Claims

Customers must contact the claims helpline in order to claims and advise them they are insured through Call Wiser and provide the details of the issue.

Claims line: 0800 276 1035

Customers must contact the claims helpline in order to claims and advise them they are insured through Call Wiser and provide the details of the issue.

Legal Claims Notification & Advice Helpline Service Number:
0800 2761036

Tax Claims Notification Service:
0800 2761037

Tax Advice Helpline Service:
0800 2761038

Identity Theft Claims Notification & Advice Helpline Service:
0800 2761039

Identity Theft Website: www.actionfraud.police.uk/fraud_protection/identity_fraud

Online Legal Resources Database: www.irwinmitchell.com/business/commoditised-services/products-and-services/legal-advice-helplines

Frequently Asked Questions

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Customer Reviews

Patient, helpful and clear delivery of information

Trusted Customer

Felt at ease talking with staff and they were very helpful with ans...

Andrew May

Extremely helpful and efficient

Trusted Customer

been a long time customer cause you keep my insurance low so why go...

David Wright

Excellent no long boring phone calls

Trusted Customer

The efficiency and helpfulness of the Customer Advisor.

Trusted Customer

Good service

James Robert Punton

Good service, good price for a properly suitable policy

Trusted Customer

Would recommend. Excellent service.

Chris Carley

Professional approach, efficient and reliable.

Trusted Customer

Helpful polite and professional

Heather Marshell

Renewal of car insurance

Catherine Soutar

Excellent service,thanks

Metodi Bonev

I have no reason to move to other providers

Trusted Customer

Satisfied client.

Trusted Customer

Eveything went fine had no issues /

Patrick Collins

Kept premium at same rate as last year.

Jon Matthews

I would like to thank kirk for being so helpful with mu insurance

Thomas Goodwin

Call wiser service provide a very friendly and helpful service ens...

Edward Chapel

Ive been with bewiser for 6years

Linda Grant

Professional helpful courteous and NOT pushy

Derek Kinnear

Very professional answers any questions i asked..

Diane Rear

We have been with them for a few years now , no complaints , a good...

Trusted Customer

Compare to others companies you have a good service

Jean Simeu

Excellent service

Ulrike Fink

Quick to answer phone helpful throughout

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Good quality product and competitive price

Trusted Customer

Excellent service.

Nigel Cowlishaw

No compliaints with BeWiser

Trusted Customer

Nice people

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