I first came across this be wiser on a comparison website, typed my details in correctly and they came up with a competitive quote so I gave them a ring. After reading through my details I was told that my quote was invalid as it was based on a full no claims bonus and I actually had 0 no claims. Thinking I'd made the mistake we spent ages on the phone getting much higher prices. The sales person was friendly but pushy. Eventually we got to a price with aviva, which I was told would mirror my wifes 8 years no claims bonus the following year if I did not make a claim in year one. Although it seemed like a good deal I was feeling pushed into buying now as the sales advisor had told me she was on the phone to aviva to get this good price and deal and that it could only be gauranteed if I bought whilst still on the phone. Feeling pushed I decided to think about it. I rang back later and was told that they could still do the same offer and it was a really good deal as although it was much more expensive than the competition, if I didn't make a claim in the first year then next year I would actually have 8 years no claims bonus as opposed to one. (no mention that I had to reniew with them). Seemed a good deal right! Well I bought it. The policy approached the end and I did get a renewal including the 8 years ncd but it was a very high price, almost as much as the first year so I went with someone else over £200 cheaper. Be wiser refused to send me proof of no claims until the policy lapsed, no worries. So the policy lapsed, my new policy with another insurer began and no proof of no claims arrived for several days. After badgering them I finally got the proof of no claims for not the 8 years I was expecting but just 1 year. On complaining I was told that I cannot take a mirrored ncd with me if I leave as I have not earned it. Although having looked into it I find that this is true, This is not what I was led to believe when taking out the policy and I feel conned. After having looked at my quote on the comparison website, I found that I had not initially made a mistake on no claims as I did clearly fill in the box as 0 ncb. Too late to cancel by then as there was an admin fee which wouldn't make it worth the bother so I lived with it. Knowing what I know now and reading other reviews I can see that it appears they try to entice you with a quote based on incorrect ncb, then miss sell policies by not explaining the details fully. They offer to give good no claims discount and do, however a no claims discount is a percentage off of the premium so they simply give a silly high quote and knock the discount off of that so that you still end up paying more. I feel totally conned and ripped off. I have gotten no where with complaining. It is now in the hands of the ombudsman but I expect they know legal loop holes around it so won't hold my breath. If they reply to this saying it has been resolved, it has not. I have had my final written response from them which states they have done nothing wrong and advises me to take it to the ombudsman if I am not happy so they must be pretty confident. Maybe they haven't done anything legally wrong but this is what happened and that's how I've been left so make up your own mind. Just check out online reviews for yourself before getting involved with these people. I wish I had. Lesson learned