Compare Swiftcover Car Insurance Quotes

Swiftcover car insurance, backed by AXA, offers flexible and easy-to-use insurance for UK drivers. It has a complete online system. This lets you manage your policy from beginning to end without needing any paper forms. It is perfect for busy drivers who prefer managing their insurance quickly with just a few clicks.

Swiftcover is known for providing affordable and customisable car insurance policies. They meet many needs. Whether you want comprehensive coverage or just basic third-party insurance, Swiftcover has options for you.

If you own more than one car, Swiftcover’s multi-car insurance policy is just what you need. This plan lets you insure several vehicles together, making things easier and possibly saving you money. If you need car insurance for a short time, Swiftcover also has temporary car insurance. This is great for when you borrow a car or go on a short trip, with coverage available for one to 28 days.

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Swiftcover provides both complete and third-party insurance. This lets drivers pick the level of cover that fits their needs best.

• Comprehensive car insurance: This type of insurance helps pay for damage to your car. It covers theft, fire, and damage you might cause to others. It also gives you extras like a courtesy car, legal cover, and help with medical expenses.
• Third-party insurance: This is a basic insurance. It only helps if you damage someone else's car or property.

Both options include Swiftcover's uninsured driver promise. This means you are protected if an uninsured driver hits you.

Swiftcover makes it easy to file a claim. They offer help every day, even on Friday, Saturday, and Sunday. You can file a claim through your online account. You can also contact Swiftcover’s customer service team for assistance. Here’s how you can follow the claims process:

1. File your claim: Log in to your Swift Space account or reach out to their service team.
2. Submit necessary documentation: Send your policy wording, details of the incident, and proof of no claims.
3. Claim processing: Swiftcover, which is backed by AXA, works quickly on claims, making sure settlement is smooth.

Swiftcover’s customer service and social media team are here to help you. They answer questions and fix any problems you might have. This way, you can have an easy and stress-free experience.

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Swiftcover has two types of complete car insurance: Swiftcover Car Insurance and Swiftcover Plus Car Insurance. Both choices give strong coverage. However, the Plus version has more features. Here’s a simple breakdown of the main differences between them:

Swiftcover Car Insurance

The basic Swiftcover car insurance policy gives you important coverage for accidents, theft, and fire. It protects you against uninsured drivers. It also covers a replacement car while yours is being fixed. However, features like a courtesy car and legal assistance are only available as optional extras.

Swiftcover Plus Car Insurance

Swiftcover Plus improves your insurance with extra features. You get a courtesy car for up to 14 days while your car is in repair by a recognised service. It also covers lost keys, up to £2,500, and provides protection against putting in the wrong fuel. This makes it a better choice for drivers who want more security.

Both policies let you change your coverage to fit your needs. You can pick options like claims discount protection and personal injury cover. Whether you go with the standard Swiftcover policy or upgrade to Swiftcover Plus, you can create a plan that works best for you.

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Swiftcover has several discounts that can help drivers lower their insurance costs. Some discounts are common, like paying all of your premium at once. Others are special, like getting a discount for using a Nextbase dashcam. Here is a closer look at the different discounts and how you can get them.

1. Nextbase Dashcam Discount

• Who qualifies?

New customers who install a Nextbase dashcam in their car can get a 12.5% discount on their main policy. This discount is only for the main policy and does not include optional extras, like breakdown cover.

Installing a dashcam can help drivers capture video evidence after an accident. This video can lower the chances of arguments about who was at fault for the crash.

2. Save by Making Changes Online

• Who qualifies?

Any Swiftcover customer can save money by changing their policy online using My Swift Space. You don’t have to call customer service since they may charge fees up to £30 for manual updates. Instead, you can easily update details like your address or vehicle for free through your online account.

3. No Claims Discount (NCD)

• Who qualifies?

Each year you don’t make a claim on your policy, it helps increase your No Claims Discount (NCD). This discount lowers your premiums as time goes on. Here is how Swiftcover’s NCD structure works:

• 1 claim in a year: Reduces your No Claim Discount (NCD) by 3 years.
• 2 claims in a year: Lowers your NCD by 4 years.

You can also protect your NCD as an extra option. This will keep your discount safe even if you need to make a claim.

4. Save by Paying Upfront

• Who qualifies?

Any driver can save money by paying their full insurance premium all at once. If you choose to pay monthly, you usually pay more because of extra fees for direct debit. So, using a credit or debit card to pay upfront is often a better choice.

5. Buy Your Policy Early

• Who qualifies?

Planning ahead can help you save a lot on your car insurance. If you set up your Swiftcover policy up to 3 weeks before your start date, you can save up to 50%. Insurers like to reward people who get their policies early. They see them as more responsible and less of a risk.

Page last updated on: 26/11/2024

Page reviewed by: Shay Ramani