I strongly advise caution with Wisedriving.My daughter had a policy with Wisedriving, that I paid monthly. In December she changed her car and what appeared to be her final payment was taken. Her new insurance was arranged elsewhere.Months later, a debt collection agency (CARS UK) contacted us claiming £128.36 was owed. I never spoke directly with Wisedriving — only with the debt collectors — and despite repeated requests, no proper written breakdown or explanation was ever provided. Only after formal authorisation for me to act on my daughter’s behalf could I discuss it, yet the details remained vague.The matter was escalated to debt collection and adversely affected my daughter’s credit file before any clear explanation was given. Wisedriving’s lack of transparency here is unacceptable and falls short of FCA principles requiring firms to treat customers fairly and provide clear, timely information, especially regarding cancellation fees or alleged outstanding balances.Only after payment to the debt collection agency was it revealed verbally that £75 related to a cancellation fee and the remainder was supposedly an outstanding balance — information that should have been clearly communicated before escalating to collections or damaging a credit record.If you are a customer, document everything and consider escalating complaints to the Financial Ombudsman Service or the Financial Conduct Authority.Based on this experience, I would strongly caution anyone from using Wisedriving due to their lack of accountability, poor transparency, and unnecessary credit file impact.
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