Is Swinton a Good Insurance Company?

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Alexandre Desoutter updated on July 27, 2020

You are considering buying an insurance policy at Swinton and are wondering if Swinton is the best insurer for you?

You've come to the right place!

In the below guide you’ll find everything you need to know about Swinton: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.

Stay tuned!

Good to know

Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Swinton.

Who is Swinton?

Swinton has been offering a wide range of insurance products that is underwritten by a panel of leading insurance companies in the UK since 1957 and is now one of the UK leading insurance providers. Swinton Group Limited is authorised and regulated by the Financial Conduct Authority.

What are the main insurance policies available at Swinton?

Let's discover below main insurance policies offered by Swinton.

Safe overall rateOur reviews
Car insurance Get to know more
Home insurance Get to know more
Swinton insurance policies

Swinton expert and consumers reviews: Defaqto, TrustPilot

Swinton is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.

Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Swinton.

Defaqto
Car insurance

3

Home insurance

5

Swinton expert and customers reviews

Is Swinton a good car insurance company?

3,5 Safe overall rating for Swinton car insurance

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.

In addition to typical car insurance coverage choices, Swinton offers, among other options:

Breakdown cover

  • 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.

Windscreen cover

  • 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

  • £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 injury policy

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

Besides main car insurance coverage, you can also get extra car insurance options at Swinton. Get to know more, read our complete review on Swinton car insurance.

Is Swinton a good home insurance company?

4 Safe overall rating for 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 accomodation 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.

Swinton building insurance

You will find below building main insurance details for the Classic home insurance cover at Swinton:

  • Maximum sum insured for your property: Unlimited
  • Owner's liability: £2 000 000
  • Alternative emergency accomodation: £30 000
  • Period of home's unoccupancy cover: 60 days
  • Trace and access: £5 000
  • Keys cover: Unlimited
  • Subsidence excess: £1 000

Alongside building insurance, you can get additional cover such as:

Home building insurance extras
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
Family legal protection
  • Optional extra
  • Up to £100 000 for expert lawyers fees
Swinton building insurance extras

Swinton contents insurance

You will find below contents insurance details for the Classic home insurance cover at Swinton:

  • Maximum sum insured for your contents: £150 000
  • Alternative emergency accomodation: £10 000
  • Single item limit: £2 000
  • Contents in the open: £1 000
  • Contents in outbuildings: £150 000
  • Money / credit card kept at home: £500 / £500
  • Items temporarily removed from home: £2 500

Alongside contents insurance, you can get additional cover such as:

Home contents insurance extras
Accidental damage cover

Optional extra

Personal possessions cover
  • 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
Bike cover
  • Part of the personal possessions cover
  • Limit varies depending on the underwriter
Swinton contents insurance extras

Standard excess to report a claim at Swinton is £100.

You will find exhaustive cover details, administration fees, contacts etc. on Swinton home insurance on our review below.

>> MORE: read our complete review on Swinton home insurance.

Life insurance criteria
Minimum age
Maximum age
Pay-out
Extras
Terminal illness
Swinton life insurance in a nutshell

Swinton discount codes, promos and vouchers

Discounts and promo codes available
Car insurance
  • Discount vouchers providing up to a 25% off policies is provided online at Swinton Motor Insurance
  • Up to £30.00 is given as a cashback discount when a customer purchases an insurance policy from the website
  • The No claims discount protection that Swinton offers will allow for two claims in five years.
Home insurance

No discount available.

Swinton discounts codes and promos

How to contact Swinton?

Find out how to contact and log in to Swinton on our contact page.

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Alexandre Desoutter
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Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms.

As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.