Swinton Car Insurance

Car insurance from Swinton comes in three levels of cover. Find out if it has the right insurance for you by comparing policies with your specific needs in mind.

3.6 ★★★★★ (147 reviews) Write a review

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

  • 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.
  • Protected no claims and breakdown cover are optional extras.
  • No third party only cover available.
Swinton Comprehensive
User survey
Finder score

Courtesy car cover

Swinton car insurance provides three levels of cover, with the top one – Premier, offering a very long list of benefits, including excess refund and misfueling cover. Find out what else is included and what the claim process involves in our detailed review.

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.

This is the most basic form of car insurance that Swinton offer and will cover you for all the basics.

Features of this include:

  • Legal liability for damage to other people’s property (third party).
  • Courtesy car
  • Cover for Audio, sat-nav and in car equipment
  • Windscreen cover
Gives you all the Essentials, plus additional benefits for extra peace of mind.

Features of this include:

  • Comprehensive cover when driving others cars
  • Personal belongings cover
  • Replacement Locks
  • Uninsured driver cover
  • Foreign Travel
  • Personal accident
  • Medical expenses
  • Legal expenses
Provides the maximum protection available and is suited for those who can’t be without a car. Includes all the features of Classic cover.

Features of this include:

  • Misfuel cover
  • New car replacement
  • Hire vehicle
  • Guarenteed excess refund
  • Excess insurance
  • Foreign Travel
  • Personal accident
  • Windscreen cover
  • Medical expenses
  • Legal expenses

What’s covered under my policy?

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

BenefitsSwinton EssentialsSwinton ClassicSwinton Premier
Damage to your car
Loss by fire or theft
Driving other cars
Emergancy medical costs
Repairs to your car
Audio, Satnav and car equipment
Courtesy car
Windscreen cover
Motoring legal expenses
Uninsured driver promise
Driving abroad cover
Lock replacement
Child seat replacement
Personal belongings cover
Excess refund
Hire vehicle
Mis-fuelling cover

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:

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


  • 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.


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

Frequently asked questions

Car insurance ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our customer satisfaction scores ("Customers say") are based on a survey of 1,654 customers carried out in December 2022.

Learn the details of our methodology and scoring.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (June ’23). 51% of car insurance customers could save £488.46

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