Swiftcover Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Swiftcover is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Swiftcover home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Swiftcover the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Swiftcover’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

3,9 Safe overall rating for Swiftcover

Safe ratingOur opinion
Customer service & satisfaction
and claims

Great Trustpilot reviews
No Defaqto 5 stars rated policies

Cover provided for your home

2 levels of cover: Swift MADE and Swift MORE
Only £500 000 maximum sum insured limit for building insurance and £50 000 for contents insurance
30 days only unoccupancy period cover
Compensation limits quite below average

Value for money

Discount for combined building and contents insurance
NCD available
Affordable rates for average cover

Financial strength

Part of Axa Group


Customer portal available
Not over documented website, easy to access information

Safe rating for Swiftcover home insurance

Expert and customer satisfaction reviews for Swiftcover home insurance

Review organisationSwiftcover home insurance reviews

Defaqto expert

SwiftMORE: 4 stars
SwiftMADE: 3 stars

Trustpilot4,5/5 based on 619 customers reviews
Which? Score

60% for building insurance
56% for contents insurance

Consumer satisfaction rates on reviews for Swiftcover home insurance

Our general opinion on Swiftcover home insurance

Swiftcover is part of the very famous AXA Group insurance provider. The company also offers car, van and breakdown insurance.
There are two levels of home insurance: Swift MADE rated 3 stars by Defaqto and Swift MORE rated 4 stars.
Although there is no 5 stars policies, the home insurance has great customers reviews on Trustpilot. The quote and claim processes seem quite easy to handle and the company is known as being fast and reliable.

You can manage your policy online with your SwiftSpace online account.

What does Swiftcover home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Swiftcover will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Swiftcover covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Swiftcover buildings and contents insurance

Swiftcover provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Swiftcover building insuranceLimits
Maximum sum insured

£500 000

Owner liability

£2 000 000

Alternative emergency accomodation

£20 000

Period of home’s unoccupancy cover

30 days

Repairs guarantee period

No details

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Available as extra

Gradual build-up of groundwater

Not covered


As standard

Underground services

Available as extra

Keys cover


Flood and storm damage (except for fences)

As standard

Swiftcover building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£50 000

Owner liability

£2 000 000

Alternative emergency accomodation

£15 000

Period of home’s unoccupancy cover

30 days

Damage made by pets

Not covered

Contents kept in garden

£2 000 (available as extra)

Contents kept in outbuildings (garage included)

£2 500

Thefts from outbuildings

£2 500

Single item limit for valuables

£2 500

Items temporarily removed from home

Not covered

Money in and outside the homeInside:



£500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

£1 000


£1000 (under personal possessions cover – optional extra)

Business equipment kept at home

£5 000

Student equipment

£5000 (available as extra)

Keys cover


Swiftcover contents insurance

Swiftcover home insurance additional cover

On top of your Swiftcover buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £1000 per call out
  • Up to £250 for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £1000 for boiler repair
  • Boiler replacement not covered
Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £15 000 for personal possessions cover at home
  • Up to £5000 for single item limit away from home
  • Up to £500 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £15 000 limit
Bicycle cover
  • Part of the personal possessions cover
  • Up to £1000 limit

Swiftcover home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£100
Excess for escape water claims£350
Excess for subsidence claims£1 000
Excess for personal possessions£100
Excess for keys£0
Swiftcover home insurance main excess

Swiftcover home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Swiftcover fees are as follows:

Fees applied to manage your Swiftcoverhouse policy
Interests on payment installmentsVaries
To renew my policy£0
To adjust my policy£0 / £10 by phone
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£30
For payment default£15
To switch from one insurer to SwiftcoverNot covered
Home insurance fees at Swiftcover

How much does Swiftcover home insurance cost?

You will below indicative quotes for building and contents insurance at Swiftcover:

Building insuranceContents insurance
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at Swiftcover

It is very difficult to give a precise range of how much exactly will your home insurance cost at Swiftcover as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Swiftcover will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Swiftcover home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on Swiftcover home insurance?

To claim at swiftcover, you will need to call the claim management team. You can also report your claim online as an existing customer through your customer portal.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Swiftcover home insurance?
Claim by phone

0333 024 8092

How to claim on my home insurance at Swiftcover

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Swiftcover house insurance?

To cancel your Swiftcover house insurance, here is what you need to know: 

Cancelling your home insurance at Swiftcover
Cancellation notice if Swiftcover cancel your policy21 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £30
Cancel by phone

0371 984 3333

How to cancel my Swiftcover home insurance

How to contact Swiftcover home insurance?

ServicesPhone numbersOpening hours

0333 024 8092

Mon – Fri: 9am – 5pm
Sat: 9am – 1pm
Bank holidays 9am – 4pm

Legal helpline

0330 024 8076


Queries, cancellations and complaints

0330 024 6423

Mon – Fri: 9am – 5pm

How to contact Swiftcover home insurance

Swiftcover home insurance contact details

Swiftcover contact details
Swiftcover address

4, Century Place, Lamberts Rd, Tunbridge Wells TN2 3EH,

Customer service email

Not available

Chatbot available

Not available

Swiftcover contact details

How do I log in to Swiftcover customer portal?

You can log in to a customer portal at swiftcover. This allows you to manage your policy online:

  • see your documents
  • claim
  • change and update insurance policy.

How do I get Swiftcover home insurance quotes? 

To get a quote online at Swiftcover, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Swiftcover is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Swiftcover home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Swiftcover house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.