Swinton Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

You might already know that Swinton 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 Swinton 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 Swinton car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Swinton

Our ratingOur opinion
Customer service & satisfaction

Very good access to policies information on the home page
Positive reviews recorded on TrustPilot
No customer service email address is provided

Cover provided

Windscreen cover
Uninsured driver cover
Driving abroad option in a wide variety of countries
driver Legal Protection
Courtesy car provided as standard

Value for money

£500 excess refund is provided if you are unable to claim it back from a responsible third party in the case of an accident
A 5 year repair guarantee is offered

Financial strength for pay out

Strong financial capabilities to pay off claims


Presence of live bot to answer questions
User experience on the website well thought as the website can be easily navigated
Customer application is not available
Absence of technological advancements like Black box

Safe rating for Swinton

Expert and customer reviews on Swinton

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

Review organisationConsumer satisfaction rates for Swinton
Defaqto expert rating for Swinton defaqto 3 stars 1
TrustPilot4,4/5 based on 8,036 opinions
Consumer satisfaction rates on reviews for Swinton

To check if Swinton 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.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


Our review on Swinton car insurance policy

At Swinton, the website can be easily navigated, the information offered is clear and direct. There is a life bot to answer the questions of customers and there is an online account option with which one’s account can be monitored. Also, the customer care reviews are good. The cover options under the comprehensive cover are also well thought out and meet many needs. Swinton has very good reviews from both Defaqto, expert in insurance rating and Trustpilot. Overall, the performance of this insurance company is very good and it comes highly recommended.

What does Swinton car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Swinton?

Car insurance policyAvailable at SwintonCoverage 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
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Swinton

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

Main guarantees at Swinton explained in details

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

Breakdown cover at Swinton

  • 24/7 national roadside assistance
  • Unlimited roadside callouts
  • Misfuelling cover in the UK
  • Possibility to add European cover
  • Cannot be bought as a standalone insurance policy.

Keycare cover at Swinton

  • The Comprehensive cover that Swinton offers provides replacement for damaged locks and misplaced keys
  • For the premium policy, £750 worth of cover is provided.

Windscreen cover at Swinton

  • Windscreen claims does not affect the NCB
  • The cover option does not cover the sunroof
  • 24 hours claims helpline
  • £150 per incident on the Essentials Comprehensive cover option.

Motor legal protection at Swinton

  • £100,000 in the event of a claim for an accident that wasn’t the fault of the driver
  • £25,000 is also provided as legal costs for issues like Motor Prosecution Defence.

Personal policy injury available at Swinton

For the Personal Policy option, up to £5,000 is provided per person with the maximum amount being £10,000.

Coverage abroad at Swinton

Abroad coverage is available under the Classic and Premier comprehensive insurance policy and this coverage allows the holders to travel through Europe for about 90 days. However, the holder can only travel for 30 days on one trip. The list of countries includes:

Andorra, Austria, Belgium, Bulgaria, Croatia , Czech Republic , Denmark, Estonia , Finland, France , Germany , Gibraltar, Greece, Hungary, Iceland, Italy, Latvia , Liechtenstein , Lithuania , Luxembourg, Malta, Monaco , Netherlands, Norway, Poland, Portugal , Republic of Cyprus , Republic of Ireland, Romania, San Marino
Serbia , Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at Swinton

A replacement car will be provided for 14 days if the vehicle has to be fixed, has been totally damaged or has been stolen.

No-Claim Bonus (NCB) at Swinton

The longer you go taking out a claim, the less risk Swinton is taking out on your policy, and as a result of that, the higher the discount. The three cover policies available under the comprehensive insurance plan can accumulate a no claims bonus.

The short term insurance policy does not affect the No claims bonus.

If an accident was not the your fault, then your no-claims bonus is left unaffected when a claim is made. This however is on the condition that the driver can recover the cost accrued from the responsible party. If not, the no claim bonus would be affected.

At Swinton, 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 claims in 5 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. 

Swinton car insurance terms and conditions

How much does Swinton car insurance cost?

You'll find below indicative car insurance quotes at Swinton:

Drivers'ageMonthly premium
18 years old£107,80
40 years old £44,46
60 years old£32,78
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Swinton 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 Swinton?

Discount vouchers are available for customers.

Discount typesComment
DiscountsDiscount vouchers providing up to a 25% off policies is provided online at Swinton Motor Insurance.
Discounts and cashbacks available at Swinton

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!

Swinton car insurance policy summarized


At Swinton
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£750
Personal belongings £200
Audio equipment


Medical expenses


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

As standard

Courtesy car cover

Duration of repair

Coverage abroad

90 days

Guarantees at Swinton


At Swinton
Fire excess£500
Theft excess£500
Accidental damage excess£500
Windscreen replacement excess£50
Young driver excess


Excess at Swinton

Admin fees

At Swinton
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period: £25
Cancellation fees outside cooling off period: £50

Modification fees

Adjustment fee: £0 online/£25 by phone
Duplicate document fee: £0

Admin fees at Swinton

Other car insurance policies available at Swinton

Swinton multi-car insurance

For Swinton, the multicover option is mostly for business vehicles and vans. Different drivers and cars can be added to an insurance policy. Also, legal protection is provided alongside the multi-vehicle cover option for protection in the case of that you or any driver of yours are involved in an accident that was not caused as a result of the driver fault. The Multi Vehicle Drivers Legal is available as an optional separate policy so it has to be added to an already existing insurance policy. The cover option includes the following:

  • Up to £100,000 cover for legal costs, for an accident that was not the fault of the driver
  • Refund of excess and provision of replacement car if the accident was caused by another driver
  • 24 hour legal helpline
  • A £25,000 of legal costs cover.

Swinton black-box insurance

Swinton offers car insurance policies for young or first time drivers. The aim of this insurance policy is to reduce the amount that young drivers would normally pay for insurance policies. Swinton works to provide great deals for young drivers.

Swinton classic car insurance

Swinton does not offer insurance for classic cars. However, insurance services are offered for imported, performance and modified vehicles.

Swinton short term cover

With Swinton, you can add a temporary vehicle to an existing policy or set up a stand alone policy for a duration of 1-28 days. Another driver can also be added to your insurance policy this way. It does not affect the No Claims Bonus. The Short term insurance policy includes:

  • An effective comprehensive cover
  • Cover which is valid for one hour to 28 days
  • Student cover
  • Learner Drivers

The temporary insurance is valid for motorists over the age of 17 for Swinton. To qualify for this cover, the driver must have a driver licence without any driving offences.

Swinton learner driver car insurance

Like the temporary insurance, a short term insurance plan can be given to learning drivers. This insurance plan spans from 1 hour to 28 days. The plan is useful for people that want to add a learning driver to their insurance plan without letting it affect their No Claims Bonus.

Swinton business car insurance

Swinton offers a business car insurance with the aim of making sure that an accident or a damage to a vehicle does not stop daily business proceedings. The types of cars covered by this insurance policy includes:

  • Vehicles used for business purposes
  • HGV and Trucks that weigh 7.5 tonnes and more
  • Taxis which can be used for either public or private hire
  • Business fleets: the minimum of which is two vehicles.

Multi car cover is available for this insurance policy and it comes with legal protection in the case of an accident or damage to one of the vehicles.

Swinton van insurance

Swinton offers a van insurance policy which includes:

  • Vans used for social, domestic or business purposes
  • A £2 million liability cover in the case of damage
  • A £1 million liability cover to third parties in the case of death or major accident in the insured van
  • Accidental damage cover
  • £250 which covers the audio, navigation and entertainment equipments found in the van
  • Windscreen repair and/or replacement in the case of damage or an accident.
  • Additional cover options like the breakdown cover, tools cover, driver Legal protection cover, Excess protection can also be added as extras to the van insurance policy.

How to contact Swinton auto insurance?

Swinton phone numbers 

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

Contact numberOpening hours


0333 035 9368

Monday-Friday: 8.30 am to 8.30pm
Saturday: 9am to 5pm.


0333 035 9368

Monday-Friday: 8.30 am to 8.30pm
Saturday: 9am to 5pm.


0333 035 9003

24 hours a day, 7 days a week

Breakdown Cover

0333 035 9367

24 hours a day, 7 days a week

Cancelling Van Insurance

03303 438 628

Monday to Friday – 8.00am to 7.00 pm
Saturday – 9.00am to 5.30pm
Sunday – closed

Renewing Van Insurance

03303 438 481

Monday to Friday – 8.30 am to 8.00 pm
Saturday – 9.00am to 5.30pm
Sunday – closed

Contact numbers at Swinton

Swinton other contact details

You'll find below Swinton main contact details:

Contact details of Swinton
Email address


Customer account with Swinton login

My account

Social mediaFacebook, Twitter, Instagram, Linkedin
Contact details at Swinton

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

Swinton Group Ltd,
Embankment West Tower,
101 Cathedral Approach,
Salford, M3 7FB.

How to claim at Swinton?

Claims can be made by calling the claims department at Swinton.

ServiceCar claim
Claim by phone

0333 035 9003

Claim process at Swinton

How to cancel your car insurance at Swinton?

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, Swinton as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Swinton 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:

Swinton 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’.