Swinton temporary car insurance review

We've reviewed the temporary car insurance offered through Swinton. Cover can begin instantly, for 1 day up to 28 days. Here's what else you need to know before you pick your temporary car insurance policy.

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The temporary car insurance offered through Swinton is comprehensive as standard and any claim you make won’t affect a no claims bonus on an annual policy. You can enhance the cover in the policy with a range of extra protection. Here’s what else is worth knowing about this broker.

Who is Swinton?

With more than 60 years’ experience, Swinton is an insurance broker that arranges personal car, motorbike, van, taxi and caravan insurance.

Swinton.co.uk is operated by Swinton Group Ltd, which is authorised and regulated by the Financial Conduct Authority.

Swinton has partnered with Tempcover Ltd to introduce customers to the temporary car cover. Tempcover Ltd also offers temporary motorbike, van and home insurance amongst others.

Swinton’s policy features

  • Comprehensive cover. The highest level of cover comes as standard. If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property and for your own vehicle against accidental damage and vandalism. You’ll also have protection against any fire damage or theft of your car.
  • Instant cover. Get instant cover from the moment you purchase.
  • Flexible insurance. You can choose cover from just one day up to 28 days.
  • Unaffected annual no-claims discount. A claim made on a temporary policy won’t affect any annual no-claims discount built up.

What does Swinton’s temporary cover include?

Here are some of the benefits of Swinton’s temporary car insurance:

  • Accidental damage
  • Fire and theft damage
  • Third party EU cover
  • Legal liability
  • Comprehensive EU cover (optional)
  • UK Roadside breakdown cover (optional)
  • Gadget cover (optional)
  • Personal accident cover up to £20,000 (optional)
  • Alloys, scratch, dent and tyre cover (optional)
  • Excess reimbursement cover (optional)

Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover.

Check your policy details carefully to ensure you have the right cover for your needs.

Can anyone take out Swinton’s temporary car insurance?

Unfortunately not. To get short-term car cover, both you and the car must meet Swinton’s eligibility criteria:

You must:

  • Be aged 18 -78
  • Have held either a current and full UK driver’s licence for a minimum of 6 months (European Union driver’s licence for at least 12 months) or a provisional driving licence
  • Have been resident in the UK for 12 months or more
  • Have had no more than 7 points on your driver’s licence in the previous 3 years
  • Have had no more than 2 fault claims in the previous 3 years
  • Have no criminal convictions

The car must:

  • Be registered in Great Britain, Northern Ireland or the Isle of Man
  • Have a market value of less than £65,000
  • Have no more than eight seats including the driver’s seat
  • Be right-hand drive
  • Not be modified (except for modifications designed to aid disabled drivers)
  • Not be used to carry goods or passengers for hire or reward

What is my excess?

Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding experience.

A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for Swinton’s temporary car insurance?

As Swinton partners with Tempcover Ltd for its temporary car insurance, you will need to refer to your actual policy document to verify who your insurer is and then find the insurer’s respective claims line details.

Keep your policy details, personal contact details and information relating to the incident to hand when making your claim.

It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

Pros and cons for Swinton


  • The cover can begin instantly
  • Cover can be enhanced with extra protection
  • Making a claim won’t affect a no-claims discount built up on an annual policy
  • Comprehensive cover as standard


  • Cover for a maximum of 28 days only
  • You can only pay upfront
  • Limited third party EU cover as standard
  • No changes to the policy allowed

Frequently asked questions

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.
*51% of consumers could save £257.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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