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What Is Swinton Car Insurance?

Swinton Insurance is an insurance company in the UK. They have more than 65 years of experience. They offer different car insurance policies. Swinton is known for giving tailored insurance solutions. They compare options from many insurers. This helps customers get the best deal. Now, Swinton works as an online insurance broker. This gives drivers flexibility in picking the right policy.

How to Get a Swinton Car Insurance Quote

Getting a quote for Swinton car insurance is simple. You can use our tool to compare car insurance. Here’s how it works:

  • Online form: Fill in basic information, such as your car's registration number, driving history, and mileage.
  • Personal details: Share your age, location, and driving habits to get a more accurate quote.
  • Instant quote: After you submit, Swinton will look at different insurers to find you the best deal.

Your quote will change based on factors like your age, the kind of vehicle you have, and whether you choose comprehensive cover or third-party coverage.

Swinton Multi-Car Insurance Policy

Swinton has a car insurance policy for several cars in one plan. This is great for families or homes with more than one vehicle. Some benefits are:

  • Save money by insuring more than one vehicle.
  • Manage all your cars easily with one account.
  • A courtesy car is available for each vehicle you insure if there's an accident.

Swinton Temporary Car Insurance

Swinton’s temporary car insurance is made for drivers who need insurance for a short time. It's perfect for people who are borrowing a car or going on a quick trip. You can get temporary cover for as little as one day or up to 28 days. It’s easy to set up using Swinton’s app or website. You will get comprehensive cover at good prices.

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Swinton Black Box Insurance

Swinton sells black box insurance. This is also called telematics, and it’s great for young drivers. A tiny device is put in the car. It tracks your driving habits, such as your speed, how fast you speed up, and how hard you brake.

  • Benefits: Good driving habits can lower your insurance costs.
  • Real-time data: You can monitor your driving using the Swinton app.
  • Discounts: A safe driver can save a lot of money over time.

Swinton Car Insurance for Young Drivers

Young drivers usually pay higher insurance costs. However, Swinton offers policies that aim to lower these expenses. With the black box insurance option, young drivers can show they are safe drivers. This proof can help them get discounts on their premiums.

  • Flexible payment options: You can pay each month or once a year.
  • Customised policies: Change your excess and include optional extras like breakdown cover.
Average Car Insurance Premiums by Age Group

Swinton Comprehensive vs Third-Party Insurance

Swinton offers two types of car insurance. They provide comprehensive car insurance as well as third-party insurance options.

  • Comprehensive cover: This protects your car from theft, fire, and any damage you cause to other vehicles. It also has benefits like a courtesy car and help with legal costs.
  • Third-party insurance: This covers damage you cause to others’ stuff, but it does not protect your own car.

Choosing between these options depends on what you like to drive and the amount of coverage you want.

Swinton Breakdown Cover

Swinton offers breakdown cover that you can add to your policies. This service comes from a top breakdown provider. With this cover, you won't be stuck if your car has a problem. There are different levels of cover available.

  • Help on the road
  • Services to start your car at home
  • Car hire if your vehicle cannot be fixed where it is

How to Cancel Swinton Car Insurance

You can cancel your Swinton car insurance policy by calling 0333 035 9278. You can also use the live chat feature on their website. Keep in mind that a service charge or a refund may happen. This will depend on how long you’ve had the policy.

Swinton Car Insurance Renewal Process

Swinton’s car insurance renewal is easy. You will get an email notice before your policy ends. If the price goes up from last year, you can call Swinton. They can help you talk about options or check other policies. If you don't do anything, your policy might auto-renew. So, it is important to read the renewal details.

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Swinton Car Insurance Excess Explained

When you make a claim, you will have to pay an excess. This is the part of the claim that you take care of. Swinton’s policies include:

  • Compulsory excess: This is set by the insurer. It is needed for all claims.
  • Voluntary excess: This is an amount you can choose. A higher voluntary excess may lower your premium, but you will pay more when you make a claim.

How to Make a Claim with Swinton Car Insurance

To make a claim, Swinton offers support any time of the day or night. You can reach their claims line at 0333 035 9003. The process is easy and straightforward.

  • Send your policy documents.
  • Explain the incident, like an accident or theft.
  • Wait for Swinton’s approval to start repairs or get compensation.
5 Years of No Claim Bonus Protection Savings

Swinton Car Insurance Discounts and Offers

Swinton often offers discounts. This is especially true for safe drivers or people with more than one car. You can also enjoy:

  • No-claims bonus: Keep your claims bonus safe with their extra protection.
  • Low-mileage drivers: Get discounts if you drive fewer miles each year.
  • Pay with credit cards for one-time payments or monthly instalments plus a service charge.

What’s Covered Under My Swinton Car Insurance Policy?

Swinton has three different types of car insurance: Essentials, Classic, and Premier. Each one has its own coverage and price. Here’s what you can expect from each policy:

Feature Essentials Classic Premier
Damage to your car ✓ ✓ ✓
Loss by fire or theft ✓ ✓ ✓
Driving other cars ✓ ✓ ✓
Emergency medical costs ✓ ✓ ✓
Repairs to your car ✓ ✓ ✓
Audio, satnav, and in-car equipment ✓ ✓ ✓
Courtesy car ✓ ✓ ✓
Windscreen cover ✓ ✓ ✓
Motoring legal expenses ✓ ✓
Uninsured driver promise ✓ ✓
Driving abroad cover ✓ ✓
Lock replacement ✓ ✓
Child seat replacement ✓ ✓
Personal belongings cover ✓ ✓
Excess refund ✓
Hire vehicle ✓
Misfuelling cover ✓

Correct as of 17/10/2024

Essentials

The Essentials policy gives you basic car insurance cover. It makes sure you are protected for important parts of driving.

  • Liability for damage to other people’s property
  • A courtesy car is given if you have an accident
  • Coverage for audio, satnav, or other in-car equipment
  • Windscreen coverage

Classic

Classic cover offers more protection than the Essentials policy. It has extra features that provide a wider range of coverage.

  • Complete protection when you drive other vehicles
  • Coverage for your personal items
  • Insurance for accidents with an uninsured driver
  • Travel coverage for 90 days when abroad
  • New locks provided if your keys are stolen or lost

Premier

The Premier policy gives you the best protection. It is made for people who depend a lot on their vehicles.

  • Cover for misfuelling
  • Replacement for a new car
  • Car hire if your vehicle is out of service
  • Guaranteed refund for your excess
  • Coverage for medical and legal expenses
Swinton Car Insurance Policy Popularity

Swinton Car Insurance Optional Extras

Swinton lets you change your policy with optional extras to fit your needs. These choices include:

  • Breakdown cover: This is offered by a reliable breakdown provider. It makes sure you won't be left stuck.
  • Protected no-claims bonus: You can keep your claims bonus safe, even if you have an accident.
  • Car hire: For your peace of mind, you can get a hire car while yours is being fixed.

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Swinton Car Insurance Reviews and Customer Service

Swinton Insurance has a 4.3 out of 5 rating on TrustPilot from 35,450 reviews. Many customers like Swinton’s customer service. They say the process is "friendly" and "easy to deal with." People appreciate the live chat feature and the claims line that is available 24/7. However, some users are worried about increasing premiums when it is time for renewal.

Swinton TrustPilot Review Breakdown

TrustPilot Review Breakdown:

  • 5-star reviews: 70%
  • 4-star reviews: 15%
  • 3-star reviews: 4%
  • 2-star reviews: 2%
  • 1-star reviews: 9%

Swinton Car Insurance Market Share

In the UK car insurance market, Swinton has a strong hold with an 8% share. Bigger companies like Direct Line and Aviva take up 20% and 15% of the market. Swinton stands out because it offers personal service and customised policies. Admiral has a 12% share, while smaller companies cover 45% of the market. Swinton works hard to keep its prices low and provide full coverage. This helps them attract and keep loyal customers.

Market Share of Top UK Car Insurance

FAQs About Swinton Car Insurance

Swinton offers special car insurance for modified vehicles. You must declare all modifications when you apply for coverage. This ensures your policy stays valid.

Swinton has an online portal called My Account. You can log in to this site to manage your policy. There, you can see your policy documents, check your renewal date, and make updates to your account.

Swinton’s black box insurance gives discounts to safe drivers. This is great for young drivers. The telematics system watches your driving style. If you drive well, you can save money.

Yes, Swinton lets you add extra drivers to your policy. This can be a family member or another person. Adding these drivers might change the cost of your policy. This is because it depends on their driving history and age.

Once you cancel your policy, you usually will get any refund in 5 to 10 working days. Keep in mind that service charges might apply, based on how much time is left on your policy.

With Swinton’s Classic and Premier policies, you have insurance for driving in Europe. This coverage is good for up to 90 days a year. If there is an accident while you are abroad, you will have third-party only coverage.

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Page last updated on: 26/11/2024

Page reviewed by: Shay Ramani

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