Swiftcover Car Insurance Review – Forbes Advisor UK

Who is Swiftcover?

Swiftcover is a ‘no-frills’ car and home insurance provider. It was the first to offer a fully online service when it launched back in 2005 which means you could take out and manage a Swiftcover policy without having to pick up a telephone.

Since 2007, Swiftcover has been owned by AXA. Its policies are underwritten by AXA Insurance UK Plc, which is regulated by the Financial Conduct Authority (FCA).

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Choose from a range of policy options for affordable cover, that suits you and your car.

Why should I consider Swiftcover?

Swiftcover offers two types of car insurance: standard and plus. Both policy types cover the following as standard:

  • Theft
  • Fire
  • Damage caused to other people’s cars and property
  • Injury to others
  • Radios and sat-navs
  • Driving in other European countries

However, Switcover’s plus option includes extras including a courtesy car, wrong fuel cover, stolen keys cover, and onward travel cover.

You can choose to add the following optional extras on to either level of policy:

  • No-claims discount protection: allows you to retain your no-claims discount for future policies even if you have to make a claim
  • Legal cover: covers you for any legal fees if you have an accident that wasn’t your fault
  • Courtesy car: provides access to a small car if yours is off the road and in for repair
  • Courtesy car upgrade: a courtesy car that’s a similar size to your own vehicle
  • Personal accident and rehabilitation: pays out up to £100,000 in the event you are accidentally injured in your car
  • Breakdown recovery: provides roadside assistance and recovery if you breakdown during a journey (four levels of breakdown cover available)

Swiftcover’s standard policy comes with a Defaqto rating of three stars, while its plus policy is five-star rated.

How to contact Swiftcover

Swiftcover can be contacted by phone between 8am and 8pm Monday to Friday, and 9am to 5pm Saturday and Sunday, on 0330 024 6394.

The company can also be found on Facebook, or contacted through Twitter @swiftcover.

Alternatively, you can manage a Swiftcover policy online by opening a Swift Space account.

Find the best cover for you

When comparing car insurance policies, the quoted annual premium is one of the most important factors to consider. However, just plumping for the cheapest policy may not provide the level of cover you need, and could put you at risk of being underinsured.

Always consider the level of cover offered under each policy and check what’s included as standard.

For example, if you plan to add on extras to a less comprehensive ‘cheaper’ policy it may not actually present the best value.

Consider trusted customer reviews too from drivers who have experienced making a claim.

Why it makes sense to compare policies and providers

In January 2022, the regulator the Financial Conduct Authority (FCA) brought in new regulations that prevent car (and home) insurance companies from charging existing customers a higher renewal price than new customers would pay for an equivalent policy.

However, it still makes sense to shop around for your car insurance policy whenever it’s time to renew. You may still be able to secure a better price than the renewal quote you are being offered for the appropriate level of cover.

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