Advantages Price, Local Branch, Claims
Disadvantages None so far
|Competitiveness of APR|
|Comprehensiveness of range of products|
|Efficiency of service|
|Value for money|
|Online - Content/organization of site||Excellent|
|Online - Reliability/speed of site||Excellent|
It was the dreaded time for me to look for car insurance again as per usual I check all the price comparison websites. Swinton came up the cheapest on two of them, so I decided to go direct to their own website to see what price was available and read a bit more about them.
*Competitive price – Some £38 cheaper than the next best price and over £50 cheaper than my renewal price.
*Cash back – As usual I always check the cash back sites, and to my delight Swinton was on Quidco. So when I taken the policy out online I got any additional £50 cash back.
Swinton appear on all the comparison websites such as Confused, Money supermarket, Tesco etc. I would always recommend going through all these sites and then do a full quotation with the top company on their own website as often that can be cheaper.
You can call Swinton on free phone number 0800 138 2412 to obtain a free no obligation quotation.
*Monthly: You can pay monthly by direct debit, pay the initial 10% deposit on a debit or credit card online or over the phone and the remainder will be spread out over 10 monthly payments via direct debit. As this is seen as credit they do charge for that and you can expect to pay 32.1% per annum. Swinton also sign up to the direct debit guarantee and you can choose what date you wish the direct debit to come out of your account.
Three options available for any customer to choose:
Third Party Fire and Theft - Covers you for the basis road traffic act as well as Fire and theft of your vehicle.
Fully comprehensive covers you for many incidents including: Total loss of your car as a result of theft, fire, or accident. You will receive a courtesy car in the event of your car be unroad worthy after an accident.
Driving Other Cars- This is provided free too many policies, but you need to check if your policy allows you to drive other cars on a third party only basis. Things to remember is that this cover only cover damage to the other vehicle or property, and the vehicle you’re driving must have a valid MOT, Tax disc and be insured by someone else. I would only recommend using this benefit in an emergency and not a regular thing.
Guaranteed courtesy car in the event of an accident.
I went off the phone and true to their word a hired car was delivered, my old clapped out fiat had been replaced with a brand new top of the range 207. My car was not road worthy as the registration plate had been damaged.
Then 6 days later I received a call from Provident to say that my car had been written off and I was to send them documentation. I sent that to them and within another 2 days they called to advise me what they would offer me for my car and explained I could keep the car as it was a Cat C write off. I received the cheque a few days later. The cheque taken 5 days to clear and I had the courtesy car for an additional seven days after that.
You can contact them by phone, in person, by email
I received my documents within 2 days of taking the policy out and all I had to send back was proof of my NCD, This is what I would expect to sent back anyway.
Now this is the part I have been looking forward to writing, as I have said many times Swinton has many offices in your local area. So when you need to call them, your usually calling a local number i.e. often just to the town you live in. So it means you’re talking to people who will understand you and no big ques to be held in either.
Queries regarding a Car Insurance Quote - call 0800 138 2412
Breakdown assistance - 0800 015 5083
What to remember, When you take out a policy online with Swinton your details will be transferred to your local branch and they will deal with your policy from then onwards.
I have been with Swinton for a short period of time, but I have nothing but praise for the company. I have always been dealt with in a professional manner and the staffs make you feel valued as a customer. There price was very competitive when I joined them.
Thanks for reading - Marcellep2
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