Great reasons to choose Swinton for your Car Insurance

We compare Car Insurance quotes from our specially-selected panel of insurers to give you the lowest price we get back. Choose from three levels of car insurance cover and add extra cover such as Breakdown cover or Protected No Claims Discount where you need it.

  • Car Insurance from £153 a year10% of new Swinton customers paid £153 or less for their comprehensive Car Insurance annually, from 1st November 2018 to 30th April 2019.
  • If your car is damaged, our Comprehensive policy will cover the repair cost up to the market value of your car (this includes both accidents and malicious damage).
  • If your car is damaged or a total loss due to fire or theft we will pay out up to the market value of your car.
  • Windscreen Cover is included in all of our Comprehensive Car Insurance options so you don’t have to buy it separately.
  • We have over 60 years' experience in finding Car Insurance
  • We're here to answer any questions – speak to us via Live Chat, over the phone or check out our FAQs page.

"Simple, straight forward and easy to do - highly recommended."

Karen, May 2019 via Trustpilot

Three great options to cover your car

Essentials

Car Insurance with basic benefits like these...

arrow down
Courtesy car

Courtesy car

Windscreen cover

Windscreen cover

Car equipment

Audio, sat nav & car equipment

Classic

All of the benefits of Essentials, with the added reassurance of...

arrow down
Uninsured driver cover

Uninsured driver cover

Driver's Legal Protection

Driver's Legal Protection

Driving abroad cover

Driving abroad cover

Premier

Our most complete cover. Get all the benefits of Classic, plus...

arrow down
Hire vehicle

Hire vehicle

Excess refund

Excess refund

Wrong fuel cover

Wrong fuel cover

Benefits listed above relate to our comprehensive cover. Third party, fire & theft cover is available with our Classic product and excludes driving other cars, windscreen cover, emergency medical costs, personal belongings, replacement locks and child seat replacement cover. Please refer to policy wording for exact cover.

View cover in more detail

The table below shows benefits for comprehensive cover
Please refer to policy wording for exact cover

Key benefits

Essentials Classic Premier

Damage to your car:

If your car is damaged, we will cover the repair cost up to the market value of your car (this includes both accidents and malicious damage)

Loss by fire or theft:

If your car damaged or a total loss due to fire or theft we will pay out up to the market value of your car

Driving Other Cars:

You will have third party cover when driving other cars (some eligibility criteria may apply)

Emergency Medical Costs:

If you have an accident

Repairs to Your Car:

Guaranteed for five years

Audio, Satnav & Car Equipment:

If your standard fit audio, satnav or car equipment is stolen – we’ll replace it

Courtesy Car:

Whilst yours is being fixed following a claim

Windscreen Cover:

We’ll repair/replace your windscreen

£150

Driver's Legal Protection:

We will pay your legal expenses up to £100,000 in the event of a claim for an accident that wasn't your fault

Optional

Uninsured Driver Promise:

Refunds your excess and protects your no claims discount if you’re hit by an uninsured driver

Driving Abroad Cover:

Full cover abroad for up to 90 days, single trip 30 days

Lock replacement, child seat replacement & personal belongings:

Covered as standard

Excess Refund:

If you have an at fault claim we will refund your excess up to £500

Hire Vehicle:

If your car is written off or stolen and not recovered we’ll give you a small hire car for up to 14 days while you find a new car

Mis-fuelling Cover:

If you accidentally put the wrong fuel in your car, up to £2500 (one claim only per year)

Additional Cover Options

Essentials Classic Premier

Protected No Claims Discount:

You can have up to two claims in a five year period without affecting your no claims discount if you have 4+ years no claims bonus.

Optional Optional Optional

Breakdown Cover:

Choose from a range of breakdown cover options – from local to Europe-wide.

Optional Optional Optional


Benefits listed above relate to our Comprehensive cover. Third Party, Fire & Theft cover is available with our Classic product and excludes Driving other cars, Windscreen cover, Personal Belongings, Replacement locks and child seat replacement cover. Please ask us for more details.

Policy Documents

Essentials Classic Premier

Policy Wording (PDF - 1.2mb)

Policy Wording (PDF - 1.8mb)

Policy Wording (PDF - 1.9mb)

 
 

Extra cover for motor policies

 

How much is your Car Insurance costing you?

When you're out driving your car, we understand that you want to feel safe, secure and protected. It's hard to put a price on that feeling of reassurance, but how much should you expect to pay for your Car Insurance, and are there any additional factors that can influence the cost?

10% of new Swinton customers paid £153 or less for their comprehensive Car Insurance annually, from 1st November 2018 to 30th April 2019.

This price excludes optional extras, and all premiums are based on individual circumstances. See what we can do for you by getting in touch.

Can I pay for my car cover monthly or annually?

Swinton offer the choice of annual or monthly car insurance payments. Annual car insurance payments enable you to pay for your car insurance in one single payment when you take out your policy.

For customers who prefer to spread the cost of their year's car insurance Swinton offers the option to pay for cover in monthly instalments.

What affects the price of a Car Insurance policy?

The cost of car insurance is calculated using a number of factors:

  • The type of car being insured – the value of the car, how powerful it is and whether it has been modified
  • The details of the driver being insured – age, occupation, previous claims history
  • Address - Insurers will review car crime data to see how many cars have been stolen in the area, damaged or had accidents in your postcode to calculate the level of risk
  • Your driving history can also have an impact, particularly if you've made a claim on your insurance or have incurred points on your licence

Read our top tips to help you keep the cost of your car insurance manageable.

Why does my renewal price increase?

Your Car Insurance price is based on a series of 'risk factors' some of which are listed above. If any of these risk factors have changed from when you first bought your car insurance policy, your renewal price might go up. "Other factors, such as changes in insurance premium tax or claims experience of the insurers, can all have an impact"

Insurers may also offer different prices because they take different risk factors into account.

When it comes to renewal time, Swinton will help you by searching for the cheapest renewal price from our panel of carefully-selected insurers. These includes well-known names such as AXA and Aviva. All of the insurers we work with are regulated by the Financial Conduct Authority, giving you extra peace of mind.

For more information, read our handy guide which explains why car insurance premiums increase.

What types of Car Insurance cover are available?

Unsure about the differences between third party, third party, fire and theft and comprehensive cover? Let us explain:

Third party

To drive a car on UK roads, you must have third party cover at the very least. It's the most basic level of cover available, and protects against damage or injury caused to other vehicles, people or property, in the event of an accident that's thought to be your fault. It doesn't protect against injury or damage caused to you or your vehicle – you'd need a comprehensive policy for this. At Swinton we do not offer third party only insurance, but we do offer third party fire and theft cover.

Third party, fire and theft (TPFT)

As well as everything covered by a third party policy, TPFT also protects your vehicle against damage caused by fire (accidental or malicious) and theft.

Third party, fire & theft cover is available with our Classic product and excludes driving other cars, windscreen cover, emergency medical costs, personal belongings, replacement locks and child seat replacement cover. Don’t forget to check out the price of comprehensive policies as well as they’re often cheaper than TPFT.

Comprehensive

A comprehensive policy includes everything covered by third party and TPFT, and also offers protection against damage caused to you and your vehicle, even if an accident's deemed to be your fault. Swinton Essentials, Classic and Premier car insurance policies are all fully comprehensive for more information about what’s included please review our products benefits table above.

You can also read our guide to comprehensive car insurance for more information.

To learn more about car insurance check out our latest car insurance guides 

Call us now on: 0800 995 1529 or get a quote online