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 and it’s not always clear what you’ll be covered for.

At Swinton, we use a specially selected and trusted panel of insurers to help you get the right cover.

We’ll help to make things clearer and simpler with three comprehensive cover options for you to choose from: Essentials, Classic and Premier.

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

Courtesy car
Audio equipment cover
Windscreen 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 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 Summary (pdf - 554kb)

Policy Wording (pdf - 577kb)

Policy Summary (pdf - 94kb)

Policy Wording (pdf - 706kb)

Policy Summary (pdf - 90kb)

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 of 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 - visit your nearest branch or speak to us over the phone.
  • 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 £187 a year.

10% of all new car insurance customers paid £187 or less annually for comprehensive cover, 1st May 2017 to 31st October 2017. 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 506 Feefo respondents - from February 2017 to January 2018). Read our reviews



Car insurance - useful information


Watch our quick guide to car insurance

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