Write a review

Go to business site

Swiftcover: Car insurance reviews

Name: Car insurance
Rating: 3.25 (48 reviews)

View other Swiftcover products

2.93

Based on 48 reviews, last reviewed 6th Nov 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

34%

27%

31%

Latest highest rating:

5

Excellent service by Swiftcover Renewal of my car insurance was seamless with Swiftcover especially when they had provided a more competitive quote before my insurance expired. Reviewed on: 5th September 2025

Latest lowest rating:

1

Not a reputable car insurer Draw you in with a cheap quote, then when you are forced to make a claim they do not deal with it properly. They side with the Third Party, affecting ... Read more Reviewed on: 6th November 2025

Read all reviews Write a review

About this product

Swiftcover offer two car insurance options – an essential policy or Swiftcover Plus which provides additional benefits including an onward travel promise.

You have the option to buy extra cover to tailor your Swiftcover car insurance with add-ons including breakdown cover, personal accident and rehabilitation protection and legal cover.

Swiftcover car insurance reviews help you find out what it’s really like to be a customer. If you’ve used Swiftcover before, you can also leave a review and share your experience.

Review Swiftcover: Car insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

Swiftcover Car insurance reviews (48)

Very helpful and swift

The team are very helpful and will go the extra mile for you My dad is delighted with his cover and they sort out any issues really SWIFT Would recommend Reviewed on: 16th July 2017

Average delivery and customer service

certainly not swift at all. Try to avoid paying out where possible Reviewed on: 4th July 2017

Terrible Claims Service - Avoid this Company

No fault claim and the claims service is seriously shocking. On average it takes two hours to get them to answer the phone - that's right 2 hours. On one day my mobile ran out of power whilst holding and on another the office closed before I got answered - joke of a company - avoid Reviewed on: 31st May 2017

Cheaper than Tesco

I used Tesco for years for car insurance before realising I could get it so much cheaper with Swift Cover. In this case the Tesco saying of every little helps really didn't apply Reviewed on: 27th February 2017

Appalling customer service

Absolutely shocking customer service, it took 2 days from reporting the claim to getting a courtesy car, one that was significantly smaller engine and smaller car which led to having to hire my own car, a cost that swiftcover refused to pay, as I was moving from the north to the south of England and couldn't fit my belongings in the 1 litre car that was offered. Spent 2 days receiving non stop calls from repairers and car rescue companies who didn't know what was going on or even where my car was going to be repaired and several hours on hold and speaking to rude, unhelpful staff at swiftcover. Avoid at all costs!! Reviewed on: 11th November 2016

About as much fun as reconstructive rectal surgery

I DO NOT recommend this insurance company to anyone. I asked to make an amendment to my policy and they cancelled my policy without any notice (after saying the amendment is fine and that they would send amended documents out, but instead sent a notice of cancellation. If I want to take it out again I have to pay the deposit again!!!!!) They don't return customer phone calls and hold times to speak to someone are very long. They hide their telephone number on their website to make it difficult for customers to call in. They are slow to reply to emails. Very bad experience dealing with this company and have since gone with the RAC who actually provided a much better deal which included breakdown cover. Reviewed on: 27th October 2016

simple

simple no hassle to use love the website and the ammendments I can make myself therefore saving money on administration fees Reviewed on: 16th October 2016

Swiftcover (AXA) AVOID

Online maintenance of a motor policy is what attracted me in the first place, initially with reasonable premiums too. You only really know the quality of an insurer when you make a claim or decide not to renew. My partner made a no-fault claim and this was a very protracted experience, the main problem being you’re not allocated a claims handler, so each communication is always from a different person who doesn’t know (or hasn’t bothered to read) the past history. It was settled in the end but not before my partner opted to take it to court. My own hiked premium this year encouraged me to look at the market. My Swiftcover (part of the AXA group) policy did not include Personal Accident, Legal Assistance, Courtesy Car, etc. but I found alternative cover which included all these for a much lower premium. My main issue occurred when I wanted to cancel at the renewal date (they do automatic renewals). Despite it being an online policy they don’t allow you to cancel online so you have the hassle of calling to discuss. I cancelled the policy and received a confirmation e-mail and took out the new policy elsewhere. At the renewal date I received a text from Swiftcover saying “Good news! You’re Swiftcovered again! Thank you for choosing us again”. I was straight on the case and they had indeed charged the whole premium to my credit card. I see this as pure theft and they refuse to make immediate repayment saying we have a 7-day refund policy!! Again, every communication is from a different person. AVOID AT ALL COSTS or you’ll regret it in the end. Reviewed on: 13th October 2016

Poor

Very difficult to get in touch with Reviewed on: 14th August 2016

Flexible and straightforward

Swiftcover have a good online portal for managing my policy, although some fees are higher than I'd like. Reviewed on: 14th August 2016

Do you have a different Swiftcover product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Car insurance
from Santander 2.91 from 19 reviews
Car insurance
from John Lewis 1.88 from 33 reviews
Car Insurance
from Fish Insurance 2.00 from 2 reviews

Want to see more from Swiftcover?

Motorbike Insurance
from Swiftcover 4.00 from 1 reviews
Home Insurance
from Swiftcover 2.73 from 10 reviews
Private Medical Insurance
from Swiftcover 0.00 from 0 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub