Swinton 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 Swinton 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 Swinton 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 Swinton 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 Swinton’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,0 Safe overall rating for Swinton

Safe ratingOur opinion
Customer service & satisfaction
and claims

4,3/5 on Trustpilot and 5 stars by defaqto
Easy to access information
Detailed FAQ

Cover provided for your home

No maximum sum insured limit for building insurance and £150 000 for contents insurance
Standard excess of £100
Classic and Premier levels of cover both rated 5 stars by Defaqto
Students items not covered with contents insurance
Unoccupancy period cover of only 30 days
Only up to £30 000 for emergency accommodation (building insurance)

Value for money

Affordable rates
No discount for getting combined building and contents insurance
Renewal fees of £25 (+ adjustment and cancellation fees)

Financial strength

Swinton home insurance is underwritten by a large panel of selected insurers
Swinton Group limited is authorized and regulated by the FCA

Technology

Customer portal available
Live Chat
Contact through Facebook or other social media
Claim process only handled by phone

Safe rating for Swinton home insurance

Expert and customer satisfaction reviews for Swinton home insurance

Review organisationSwinton home insurance reviews

Defaqto expert
defaqto 5 stars
Trustpilot4,3/5 based on 8,219 customers reviews
Which? Score

61% for building insurance
57% for contents insurance

Consumer satisfaction rates on reviews for Swinton home insurance

Our general opinion on Swinton home insurance

Swinton is one of the UK leading insurance providers. Home insurance policies are underwritten by a large panel of selected insurers.
Essential, Classic and Premier home insurance covers are all rated 5 stars by Defaqto and the company has great customers reviews on TrustPilot which means that the claim process must be handled efficiently, although you can not report your claim online.

Except the alternative accommodation amount, the building insurance cover under the Classic plan is good. The contents policy, especially for belongings and contents in outbuildings is, however, quite poor. The Premier level of cover provides better protection for contents.

What does Swinton 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 Swinton 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 Swinton covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Swinton buildings and contents insurance

Swinton 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:

Swinton building insuranceLimits
Maximum sum insured

Unlimited

Owner liability

£2 000 000

Alternative emergency accomodation

£30 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

As standard

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

As standard

Keys cover

Unlimited

Flood and storm damage (except for fences)

As standard (optional extras for outbuildings)

Swinton 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

£150 000

Owner liability

£2 000 000

Alternative emergency accomodation

£10 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

£1 000

Contents kept in outbuildings (garage included)

£150 000

Thefts from outbuildings

£2 500

Single item limit for valuables

£2 000

Items temporarily removed from home

£2 500

Money in and outside the homeInside:

£500


Outside:

£500

Credit cards in and outside the homeInside:

£500


Outside:

£500

Business equipment kept at home

£5 000

Student equipment

Not covered

Keys cover

Unlimited

Swinton contents insurance

Swinton home insurance additional cover

On top of your Swinton 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 £500 per call out
  • Up to £200 for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £500 for boiler repair
  • Up to £250 for boiler replacement
Legal protection
  • Optional extra
  • Up to £100 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Personal possessions limit varies depending on the underwiter operating
  • Up to £1000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £2000 limit
Bicycle cover
  • Part of the personal possessions cover
  • Limit varies depending on the underwriter

Swinton 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£250
Excess for subsidence claims£1 000
Excess for personal possessions£100
Excess for keys£100
Swinton home insurance main excess

Swinton home insurance fees and NCD

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

Fees applied to manage your Swintonhouse policy
Interests on payment installments17,5% – 43,61%
To renew my policy£25
To adjust my policy£0 / £25 by phone
To duplicate documents£0
To cancel my policy during cooling-off period£25
To cancel my policy outside cooling-off period£35
For payment default£30
To switch from one insurer to SwintonNot covered
Home insurance fees at Swinton

How much does Swinton home insurance cost?

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

Building insuranceContents insurance
Excess£100£100
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£150,93£296,14
Home insurance quotes at Swinton

It is very difficult to give a precise range of how much exactly will your home insurance cost at Swinton 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.

Swinton 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.

Swinton home insurance discounts available

No discount available.

How do I a claim on Swinton home insurance?

To claim at swinton, you first need to know who your underwritter is (Ageas, Allianz, Aviva, Axa, Broker Direct, Covea, Geo, Integra, LV, L&G, Modus, Ocaso, Prestige or Pen Underwriting). That is mentioned in your policy schedule. Alternatively, you can contact the claim number mentioned in the contact details section below.

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 Swinton home insurance?
Claim by phone

Ageas – 0345 122 3019
Allianz – 0345 073 1114
Aviva – 0345 030 6945
Axa – 0330 024 6842
Broker Direct – 01204 600 346
Covea – 0330 024 2255
Geo – 01302 303 670
Integra- 01274 700 810
LV – 0800 202 8464
L&G – 0370 900 5565
Modus – 0344 856 3816
Ocaso – 0207 377 8281
Prestige – 08000 327 327
Pen Underwriting – 03330 100 790

How to claim on my home insurance at Swinton

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

How can I cancel Swinton house insurance?

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

Cancelling your home insurance at Swinton
Cancellation notice if Swinton cancel your policy14 days
Cancellation feesFees during cooling-off period: £25
Fees outside cooling-off period: £35
Cancel by phone

0333 035 9280

How to cancel my Swinton home insurance

How to contact Swinton home insurance?

ServicesPhone numbersOpening hours
Quotes

0333 035 9177

Mon – Fri: 9am – 6pm
Sat: 9am – 1pm

Claims

0333 035 9002

Mon – Fri: 9am – 6pm
Sat: 9am – 1pm

Existing customers

0333 035 9281

Mon – Fri: 9am – 6pm
Sat: 9am – 1pm

About My Account

0333 035 9525

Mon – Fri: 9am – 6pm
Sat: 9am – 1pm

24h Emergency Helpline

0333 035 9383

24/7

How to contact Swinton home insurance

Swinton home insurance contact details

Swinton contact details
Swinton address

Swinton Insurance Doncaster Branch
70/72 E Laith Gate, Doncaster DN1 1JD, UK

Customer service email

Not available

Chatbot available

Live chat is available during the following times:
Monday to Friday: 9am to 6pm
Saturday: 9am to 1pm

Swinton contact details

How do I log in to Swinton customer portal?

You can log in to your customer portal My Account at swinton. This allows you to manage your policy online:

  • View, print and download your policy documents
  • Update personal details
  • Change and update insurance policy.

How do I get Swinton home insurance quotes? 

To get a quote online at Swinton, 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 Swinton 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 Swinton 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 Swinton 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.