Swinton Car Insurance

Our verdict

Our verdict

Swinton has a good range of policies, with the Premier policy offering a very comprehensive level of cover. There is no third party only cover available, but the Essentials plan is equivalent of a third party, fire and theft policy.

Opinions regarding the company’s customer service are split, but it has good reviews on Trustpilot and it did well on our customer satisfaction survey, with 77 percent of customers saying they would recommend the service.

Get started by visiting Swinton’s website and sign up for a policy. If you have read this review and decided that Swinton car insurance is not for you, you can also compare other car insurance policies on the market.

Best for: Convicted drivers

Pros

• Three levels of cover to choose from.
• Premier policy includes excess refund.
• Courtesy car included as standard in all levels of cover.
• 24/7 claims helpline.

Cons

• Protected no claims and breakdown cover are optional extras.
• No third party only cover available.

★★★★★

User survey

★★★★★

Finder score

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Courtesy car cover

Who are Swinton Insurance?

Swinton is an insurance broker that was founded over 60 years ago. By 1987, Swinton had grown to a household name with over 220 branches across the UK. They aim to offer a personal approach to insurance, comparing policies for you to find you the best deal.

Who underwrites Swinton’s Car Insurance?

Swinton’s Car Insurance is underwritten by a select range of insurers. The insurer that underwrites your policy will be named on your policy schedule and your certificate of motor insurance.

What are Swinton’s car insurance cover options?

Swinton Insurance provides three different levels of cover to choose from; Essentials, Classics and Premium.

• Essentials
• Classic
• Premier

What’s covered under my policy?

Swinton offer three different car insurance policies which differ in price, benefits and cover they provide you with.

Optional extras

Swinton offer a range of optional extras you can add to your policy to give you even more peace of mind.
Features of this include:

• Protected no claims discount.
• Breakdown cover.

How do I make a claim?

If you need to make a claim on any Swinton Car Insurance policy then you can call the accident and claims line on 0333 035 9003. The Swinton team is available 24/7 for any motor accident, fire or theft, windscreen damage or any malicious damage.

For customer service, it’s 0333 035 9976 and for sales, it’s 0333 035 9977.

What is my excess?

An excess is the amount of money you contribute to the cost of your claim. The amount of your excess will depend on the level of cover you have and the nature of your claim. Details of your excess amounts will be displayed in your policy schedule.
Sometimes more than one excess will apply and in this case, Swinton will add them together.
There are two types of excess and these are:

• Compulsory excess which is set by the insurer underwriting your policy. This is added to the voluntary excess you choose to give the total amount of excess you will pay if you make a claim.
• Voluntary excess which is in addition to any compulsory excess. You can set this as low as you want to reduce the amount you have to pay if you make a claim, or you can increase it which may reduce your premium.

Swinton car insurance customer reviews

Customers who took part in Finder’s 2023 customer satisfaction survey were fairly positive about Swinton, with many highlighting its “helpful” customer service, competitive rates and ease of use.

One customer said, “This company always keeps you well-informed about relevant products and services.”

Swinton received an overall customer satisfaction score of 4 out of 5, and 81% of customers would recommend the brand to a friend.

Pros and cons for Swinton car insurance

Frequently asked questions

• How much does car insurance from Swinton cost?

  The cost of your car insurance will depend on a number of personal factors, like your age and location, what car you drive, how much you drive per year, where to and for what reason and your driving history.

  However, on its website, Swinton says its car insurance cover starts from £168 per year. This is based on 10% of new Swinton customers paying £168 or less for their comprehensive car insurance annually, from 1st October 2019 to 31st March 2020.

• What type of car insurance does Swinton offer?

  Swinton can find specialist cover for young drivers, drivers over 50, electric cars, modified cars, drivers looking for temporary cover and multi-car policies.

• What are Swinton's payment options?

  You can pay in one lump sum with a debit or credit car, or set up a direct debit and pay by instalments. Note paying monthly will cost you much more, as there is an interest of over 40 percent.

• Am I covered to drive abroad?

  Yes, you are covered to drive in Europe for up to 90 days in the year, with third party only cover (regardless of what level of cover you have in the UK).