Swift cover Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Swift cover car insurance.

You might already know that Swift cover offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Swift cover the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Swift cover car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Swift cover

Our ratingOur opinion
Customer service & satisfaction

High customer satisfaction rate on Trust Pilot
Access to 24/7 claim helpline
Quick and easy process to generate quotes online
Informative website which properly lists out the car insurance policy features
Charges are incurred for phone calls
Live chat feature not available

Cover provided

Wide range of covers available such as car and van insurance
Up to 90 days minimum level cover required by law for European travel provided
Several benefits offered as standard across the 2 levels of cover available (Comprehensive and TF&TP) such as Courtesy Car, Overnight Accommodation or Onward Travel, Lifetime Guarantee on Repairs, Key Care, uninsured driver promise (comprehensive)
Wide range of additional optional covers available such as NCD Protection, Legal Cover, Courtesy Car Upgrade, Personal Accident & Rehabilitation and Breakdown Cover
Insurance is provided for vans
They don’t offer black box insurance.

Value for money

Fairly priced premiums and provision for monthly instalment payment
Availability of a No-Claims Bonus
No renewal fee
Direct new customers can opt for the dashcam feature and save 12.5%
Lifetime repair for drivers who use Swift cover’s approved repairers
A cancellation fee of £52 as well as a time on risk premium is required to cancel the insurance policy after the 14-day cooling off period

Financial strength for pay out

Swift Cover is owned by AXA Insurance, one of the biggest insurance companies in the world which gives it its ability to pay out claims.

Technology

User friendly website and well organized
100% online quote generation process as well as claim handling process
Effective online portal
Available on social media platforms
Swiftcover contact : No-live chat or chatbot option is available nor mobile app is not available
No black box insurance

Safe rating for Swift cover

Expert and customer reviews on Swift cover

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Swift cover's reputation.

Review organisationConsumer satisfaction rates for Swift cover
Defaqto expert rating for Swift cover defaqto 3 stars 1
TrustPilot4,4/5 based on more than 450 opinions
Consumer satisfaction rates on reviews for Swift cover

To check if Swift cover is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

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Our review on Swift cover car insurance policy

Swift Cover Insurance is owned by AXA Insurance, one of the largest insurance companies in the world.

They offer 2 levels of cover for their car insurance: Comprehensive and Fire, Theft & Third Party. We suggest that you pick the Comprehensive level of cover due to the several exclusive benefits that come with it such as Personal Accident Cover, Windscreen Cover, Mis-fuel and Uninsured Driver’s Promise.

They also Van Insurance across all the 3 levels of cover (Comprehensive, FT&TP and Third Party Only)

What differentiates Swift Cover from other car insurance companies is the fact they offer a guaranteed unlimited lifetime of repairs for your vehicle.

In addition to the several benefits that come when you take out their policies is the high customer satisfaction rate on Trust Pilot which can be an extremely reassuring thing for most people before making an important purchase.

What does Swift cover car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Swift cover?

Car insurance policyAvailable at Swift coverCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Swift cover

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Swift cover explained in details

Let's find out what does Swift cover covers in its car insurance policy.

Breakdown cover at Swift cover

Swift Cover offers 4 levels of Breakdown Cover:

Swift Roadside: this cover comes with the following benefits:

  • Up to an hour of roadside assistance
  • 24/7 available call-out line
  • Transport of vehicle to a repairer in case it cannot be fixed on the roadside
  • Cover for whoever is using the car as long as the owner has consented to it

Swift Rescue: in addition to the benefits that come with Swift Roadside, this level of cover comes with the following:

  • Assistance to help you proceed with your journey
  • Transport for you and your vehicle to any destination of your choice within the UK
  • Hire car or overnight accommodation

Swift Rescue & Homestart: in addition to all the benefits that come with Swift Rescue, this level of cover also includes assistance at your home address

Swift European: in addition to all the benefits that come with Swift Rescue & Homestart, this covers for breakdown services if you happen to breakdown while traveling within Europe.

Keycare cover at Swift cover

Key Cover is not available as an optional additional cover. It is however offered as a standard across the levels of cover. The level of the keycare cover is different between the 2 levels offered.

  • Comprehensive Level: up to £2500 for replacement of keys or locks if your car keys are stolen or accidentally lost.
  • Fire, Theft & Third Party Level: up to £2500 for replacement of keys or locks if your car keys are stolen.

Windscreen cover at Swift cover

Windscreen Cover as a policy upgrade is not available. It is included as a standard that comes with the insurance policy. It covers the repair or replacement of your windscreen (panoramic windscreens included) and windows as well as the repair of bodywork that may have been damaged by the broken glass.

  • The excess for replacement is £75 and repair is £15
  • The cover is unlimited provided that you get it carried out at Swift’s approved repairer. If you choose to go to an unapproved repair the limit for replacement will be £100 and the limit for repair will be £50.

Motor legal protection at Swift cover

Up to £100,000 to cover for legal costs and expenses when pursuing for compensation after an incident that wasn’t your fault.

Personal policy injury available at Swift cover

Swift Cover offers a Personal Accident and Rehabilitation cover of up to £100,000 that covers for total disablement, injury or loss of sight in one or both eyes. It also covers post accident rehabilitation for up to £5,000.

Coverage abroad at Swift cover

Minimum cover required by law while traveling abroad is available for up to 90 days. You can choose to extend the level of cover at an additional price on your premium.

You’re covered for travel in the EU and Andorra, Iceland, Liechtenstein, Norway, Serbia and Switzerland.

Since Brexit, the country is currently at a transitional period. So far, you don’t need a Green Card to travel to EU countries but it is important to always check with your insurer in cases there have been any changes.

Courtesy car at Swift cover

A Courtesy Car Upgrade is available and covers you for up to 21 days with a vehicle of that has the same size, capacity and transmission as yours. The optional temporary car provided will be of a similar size and engine capacity to the driver’s car and will have at least as many doors and seats as the car with a maximum of 7 seats.

No-Claim Bonus (NCB) at Swift cover

Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you. No NCB rate is stated in the website. You can also opt for an NCB protection cover at an additional charge.

If the incident caused was not your fault and Swift Cover Insurance was able to recover all costs from the responsible party, your NCB will not be affected. However, if they’re not able to recover the costs of the incident, your NCB will be affected.

Claims on the following will not affect your NCB:

  • Windscreen cover
  • Medical emergency cover
  • Incidents caused by an uninsured driver.

At Swift cover, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claim in 3 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Swift cover car insurance terms and conditions

How much does Swift cover car insurance cost?

You'll find below indicative car insurance quotes at Swift cover:

Drivers'ageMonthly premium
18 years old£103,80
40 years old £42,81
60 years old£31,56
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Swift cover insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Swift cover?

Apart from No Claims Discount, Swift Cover offers a discount on the premium of a second ca, if you buy your policy in advance or if you install dash cam.

Discount typesComment
Discounts- A 10% discount on premium is available if you choose to get a second car covered provided that it has the same home address as the first one.
- Customers who pay for an insurance policy 3 weeks before the start date would get a 50% discount.
- Customers can also save up to 12.5% by adding a Dashcam to their insurance policy.
Discounts and cashbacks available at Swift cover

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Swift cover car insurance policy summarized

Guarantees

At Swift cover
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- Not stated
Limit- £2500
Personal belongings£300
Audio equipment

Excess- Not stated
Limit- £1000

Medical expenses

£100

Liability limit for property damage£20,000,000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

14 days

Coverage abroad

90 days

Guarantees at Swift cover

Excess

At Swift cover
Fire excessLimit- £300 for personal belongings
£1000 for Audio Equipement
Theft excessExcess- Not stated
Limit- £300 for personal belongings, £1000 for Audio Equipement
Accidental damage excessNot stated
Windscreen replacement excessExcess- £75 for replacement, £15 for repair
Limit- Unlimited when using approved repairer, £50 to £100 limit for repair and replacement accordingly if using an unapproved repairer.
Young driver excess

Not Stated

Excess at Swift cover

Admin fees

At Swift cover
Interest charged by payment installments

Variable

Renewal fees

£0

Cancellation fees

Cancellation fees during cooling off period : £0
Cancellation fees outside cooling off period : £52.50 plus any percentage of the premium for the days covered.

Modification fees

Mid-Term Adjustment fee: £10

Admin fees at Swift cover

Other car insurance policies available at Swift cover

Swift cover short term cover

Swift Cover offers temporary car insurance. This is how it works:

  • You can add another vehicle for a maximum of 30 days to your cover without paying any administration fee if you do it online.
  • It is important to note that this might increase your premium price.

Swift cover business car insurance

If your Certificate of Motor Insurance includes business use, Swift Cover will cover your employer or business partner if an accident happens while using the car for business in the event that there is no presence of any specific insurance.

Swift cover van insurance

Swift Cover offers Van insurance for personal, commerical or courier use across all 3 main levels of cover: Comprehensive, Fire, Theft & Third Party and Third Party Only.

The following benefits are standard across all levels of cover:

  • Injury to other people or damage to their property of vehicles up to £5000
  • Minimum cover to legally tow a trailer
  • Personal belongings cover of up to £250
  • Accident recovery cover
  • £500 worth of cover for replacement of locks and keys
  • No Claims Discount for up to 60%.

You can choose to add extra protection from any or all of these optional covers:

  • Breakdown Cover
  • Protected No- Claims Discount Cover
  • Legal Assistance Cover
  • Cover for loss or damage to your van
  • Misfuelling cover

How to contact Swift cover auto insurance?

Swift cover phone numbers 

You will find all important phone numbers to contact Swift cover car insurance:

Contact numberOpening hours

Customer Service

0330 024 6394

Monday to Friday: 8am to 8pm
Saturday: 9am to 5pm
Sunday: 9am to 3pm

Claims

0371 984 3333 (UK)
00 44 1892 500169 (Outside UK)

Available 24/7

Breakdown

0800 107 7006 (UK)
44 (0)1737 815 632 (Outside UK)

Available 24/7

Windscreen Claims

0330 024 6399

Available 24/7

Payment Enquiries

0330 024 6409

Monday to Friday: 8am to 8pm
Saturday: 9am to 5pm

Van Customer Service

0330 159 1514

Monday to Friday: 8am to 8pm
Saturday: 9am to 2pm
Sunday: Closed

Contact numbers at Swift cover

Swift cover other contact details

You'll find below Swift cover main contact details:

Contact details of Swift cover
Email address

[email protected]
[email protected]

Customer account with Swift cover login

My account

Social mediaFacebook, Twitter
ChatbotNo
Contact details at Swift cover

You can also contact them by mail by writing to Swift cover car insurance:

Swiftcover Car Insurance
Swift Court, Fudan Way
Stockton on Tees
County Durham
TS17 6EN
UK

How to cancel your car insurance at Swift cover?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Swift cover as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Swift cover has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Swift cover could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.