There are one million uninsured drivers on the road. What if one hits you?

We offer uninsured driver cover as standard.

Classic and Premier comprehensive car policies only. Details of other driver and vehicle required.


Car insurance, made clear and simple

Wouldn’t it be great if getting a Car Insurance quote was more straightforward? There’s so much information to take in, and it’s not always clear what you’ll be covered for.

At Swinton, we want to remove any Nagging Doubt you may have about finding the right Car Insurance. With our specially-selected and trusted panel of insurers, we’ll help make things clearer and simpler, along with three comprehensive product options to choose from: Essentials, Classic and Premier.

And with Car Insurance from £177 a year, and a Feefo Gold Trusted Service award, we’ll help you turn Nagging Doubt into nothing-to-worry about.

Three great options to cover your car


Covers you for all the basics.


Gives you all the Essentials, plus additional benefits for extra peace of mind.


When you need our maximum protection and you can’t be without a car.

All our comprehensive policies include as standard

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 you lose your car by 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


Motoring Legal Expenses:

We will pay your legal expenses up to £100,000 in the event of a claim

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 - 577kb)

Policy Wording (pdf - 706kb)

Policy Wording (pdf - 534kb)

Get a quote your way. Call us, buy online or pop in

Why choose us for your car insurance?

  • We have over 60 years' experience in finding car insurance so we understand what’s important to you
  • We’ll compare quotes from our specially-selected panel of insurers to give you the lowest price we get back
  • We're here to answer any questions - speak to us over the phone or visit your nearest branch
  • You can tailor your insurance with optional additional cover to suit your personal needs
  • We have an online insurance hub where your documents will be stored and you’ll be able to make changes to your policy

How much is your car insurance costing you?
We'll cover all that matters from £177 a year.

10% of all new car insurance customers paid £177 or less annually for comprehensive cover, 1st November 2017 to 30th April 2018. Excludes optional extras. Premiums are based on individual circumstances.

How customers rate our car insurance

Swinton customers who have purchased car insurance would rate us 4.3/5 (this score has been based on 517 Feefo respondents - from July 2017 to June 2018). Read our reviews


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 £177 or less for their comprehensive Car Insurance annually, from 1st November 2017 to 30th April 2018.

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

What affects the price of a Car Insurance policy?

Several factors can affect the total cost of your Car Insurance policy, from the level of cover you choose, to where you live and how secure your car is. Your driving history can also have an impact, particularly if you've previously been convicted of a motoring offence.

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'll need a comprehensive policy for this.

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 intentional) and theft.


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.

Extra cover for motor policies

Breakdown cover

We know just how inconvenient it can be to break down unexpectedly, whether you're on the motorway heading to work, or enjoying a leisurely Sunday drive in the countryside. You can add our flexible Breakdown Cover to your Car Insurance policy at any time, giving you peace of mind each time you get behind the wheel.

Driver’s Legal Protection

Included as standard in Swinton's Classic and Premier Car Insurance policies, Driver's Legal Protection will cover you for up to £100,000 of legal costs following an accident that wasn't your fault. Such costs may include loss of earnings and pursuing compensation for personal injury.

Excess protection

If you're unable to claim the cost of your excess back from a responsible third party after an accident, our Premier Car Insurance option includes Excess Protection as standard.


Watch our quick guide to car insurance

Car insurance - useful information

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