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
Excess refund available
24/7 claims helpline
Extra car hire offered
Cons
Protected no claims and breakdown cover are optional extras.
Swinton car insurance has 3 levels of cover, with the top one – Premier – offering a long list of benefits including a refund of your excess and cover for misfuelling. Find out what else is included and what the claim process involves in our detailed review.
Who is Swinton Insurance?
Swinton is an insurance broker that was founded over 60 years ago. By 1987, Swinton had grown to be 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 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 3 different levels of cover to choose from: Essentials, Classic and Premier.
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 2024 customer satisfaction survey were fairly positive about Swinton, with many saying it was “easy to deal with” and highlighting its “friendly” customer service. But a few were unhappy about their renewal quotes.
One customer said: “When this company gave me my renewal quote for my car insurance it jumped from £150 the previous year to £500 the next year. They were unable to bring this down by much and not surprisingly I didn’t renew my car insurance with this company.”
In our survey, 63% of Swinton customers said they’d recommend the brand to a friend, placing it last of 11 insurers in the league table.
On the reviews platform Trustpilot, Swinton Insurance in general gets 4.3 out of 5 – classed as “excellent” – based on more than 30,000 reviews (last updated: February 2024).
Pros and cons for Swinton car insurance
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.
Frequently asked questions
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.
Swinton can find specialist cover for young drivers, drivers over 50, electric cars, modified cars, drivers looking for temporary cover and multi-car policies.
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.
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).
Car insurance scores
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £524.68
Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC.
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