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Swinton Insurance: Car insurance reviews

Name: Car insurance
Rating: 2.77 (114 reviews)

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2.58

Based on 114 reviews, last reviewed 7th Sep 2025

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

32%

11%

46%

Latest highest rating:

5

Car insurance bought with no fuss. Car insurance bought with no fuss. Reviewed on: 7th September 2025

Latest lowest rating:

1

Even 1 is too high a score! Even 1 is too high a score! I went to Swindon through confused.com, filled all the details out on Confused.com but by the time I went through to Swint... Read more Reviewed on: 21st May 2025

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About this product

You can get a Swinton car insurance quote over the phone or online.

Swinton offer three different levels of comprehensive car insurance: Essentials, Classic and Premier. Once you have a Swinton car insurance policy, you can view your documents, manage your policy and update your details online via the app.

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

Swinton Insurance Car insurance reviews (114)

Review of the Swinton Insurance, Car insurance:

If I could give them ZERO I would

I have used Swinton on and off for the past 25 years so was happy to take car insurance with them in November 2023. In July 2024 we moved house and as you do started notifying change of address. So I dutifully did with Swinton. That's when the nightmare began. Spoke to Toby and explained I needed to change the address only on my motor policy. So he asked all the relevant questions and said he needed to submit it to the underwriters to see if there would be a increase in the premium. He came back and mumbled something about a rejection code as the area was unacceptable. I asked him what he meant by that and he couldn't answer. Now the area I moved to has high end value houses in a semi rural location, certainly not a crime hotspot! He put me on to Lindi who just kept stating the area was unacceptable but I can cancel this policy and they would put me with a new company. Why, I asked? Please tell me why this area is unacceptable? She just kept saying the insurance company stated it was not an acceptable area. I asked her to verify who the insurance company was. AGEAS came the reply. I was stunned. We have a second car, insured by my wife, and she successfully changed the address the day before with no additional premium. It is insured through AGEAS!! Her reply was genuinely incoherent by which time my wife had entered the room curious why I was on the phone so long and started listening to the what was happening. I asked to speak to a supervisor for an explanation. I got Karen. I explained what had happened and wanted an explanation why two people living at the same address received such polar opposite responses. Again she appeared not to understand and stuck to the script of it being an unacceptable area. I recall saying regardless that my wife lives in the same house and that AGEAS accepted she is in an acceptable area (no additional premium) but Swinton say it's not. All she did was keep offering me a new policy with a different company or a cancellation of the policy. I asked for quotes for a new policy with a different insurance company, however her eventual reply was that none would insure me. As my wife was simultaneously obtaining quotations from a comparison website this was obviously another blatant lie. I believe this is the procedure when a customer won't change to another company to build Swinton's revenue stream. They get booted. Needless to say the policy with Swinton is now cancelled. I urge everyone to avoid this company at all costs. I dread to think what may have happened if I had ever had to make a claim through Swinton. Reviewed on: 5th July 2024

Lied to me

Told me I would receive a interim payment and then second instalment at further date for full value of vehicle being written off lied and shut case left me with no van total liars do not trust Reviewed on: 22nd June 2022

cashback offer car insurence

Putting offers on cashback sites to get you to buy insurance then when it's due refusing in the hope you forgot and give you nothing, took out car insurance paid in full with the offer through top cashback of 42 pounds, refused it months later con and false advertising and taking people's money by deceit, in the process of sending screenshot off top cashback of there refusal to Ombudsman and trading standards as they have probably done this to hundreds of customers, and top cashback takes you to the offer you can't make a mistake before they say that as an excuse, probably owe thousands to a lot of people. And please ignore their trained customer service response of never heard of you, there are rules, please contact us (which I have) we are sorry customers first, and whatever else. I have now again contacted them failed for weeks to deal with it sent a letter to me saying we are investigating will be in touch after weeks of waiting. Had another letter 2 months later saying there investigating but as time is up I can contact financial Ombudsman which I will now do, as they are still investigating, how can they need to investigate there own offer from themselves for 3 month its there own offer they can see it, and second how do they need time to see there offer on top cash back they out it there just contact top cash and look at there own system, third its wrote in black and white on top cash back account that they refused to pay it, there's nothing to investigate its all there to see, and even though the evidence is there they have it they still refuse to pay up and even put me through having to contact Ombudsman by there asking in the hope i dont, an investigation into a offer that's own and that in wrote in black and white showing there refusal on a respected company site top cash where swinton put the offer just contact them investigation over, if they can't deal with this thats there own doing how the gods name do you go on with something serious, so I'll say once again to anyone using offers or cashback sites thinking of taking offers with these as it comes up cheaper in the long run DO NOT AS IT WONT, look for other insurance offer on the sites,probaly happend to hundreds, so now Ombudsman it is because they cannot find there own offers. avoid. Reviewed on: 7th November 2021

They don't cover my area

They don't cover my area as if I live in a foreign country! Talk about integration and no child left in poverty well if people are given insurance quotes based on where they are born or live surely you are partly to blame for poverty and inequality in my area. If you think my area is not worthy of insurance then get bulldozers and bring down to ground! Reviewed on: 27th September 2021

The very best for car insurance

I've been unlucky enough and had to make 2 claims recently for my car that I recently purchased. First someone hit my car in a public car park and drove off and then again someone pulled out on me and I reversed to avoid the collision and into a bollard. Both times the claims process was quick and painless and they helped rectify the issue. Payout was quick and the customer service agents were helpful and friendly. Would highly recommend. Reviewed on: 22nd August 2021

Really bad service

All sorts of problems. If you say you get paid on 7th so can't pay on 6th, they say its fine we have adjusted this. And then they continue to take it on the 6th. Which it bounced on my credit file. This kept happening and I have had to cancel, really bad company. I had 4 bad issues in 3 months, always begging for my money. One time it old them I get paid 300 I can pay 173 and they took nearly 250 I was literally in shock and all they did was say sorry. Please don't use this company. Plenty mire with good reviews. Reviewed on: 15th June 2021

Theives

Cancelled my policy 9 months in and because I brought online they charged me an extra £40 for cancellation charges. Which was half my original policy. Refused to continue the policy because I had sold my bike. And no waving of cancellation fee because I took the policy out online. Will never use swinton again. Reviewed on: 29th May 2021

£39 pounds to amend policy for installing a towbar

Got quoted £39 for adding a towbar to my car in my car insurance policy; not only that I tried several dates using their online procedure for amending the policy and always got quoted £39; even once I forgot to put the modification and still got quoted £39 to amend policy. Looks like a flat rate to modify policy. When contacted the customer service they didn't care much and told me they are just brokers and is nothing to do with them. Reviewed on: 25th May 2021

Appalling!

I have never dealt with a company like this in my life! One word.... Appalling! After my Mother's partner passing in July she has had nothing but threatening letters asking for the outstanding balance as his insurance hasn't expired!! What? He has passed away!!!! After emailing them the relevent documentation proving he had passed away and been cremated we were told the account was now closed.... However.... She is STILL continuing to get threatening letters. The most recent arriving today October 28th. Absolute joke. If she hasn't been through enough. After calling again this evening and telling them what an embarrassment they were the call was answered by a cocky individual by the name of Luke! He didn't even apologise once for the inconvenience, let alone her loss. He wouldn't even give me the name or an email address of a manager and wanted to do nothing more than antagonise me even further. What delights you have representing your company! Bravo! I have requested an email from a senior manager tomorrow (for the third time), informing that the account has now been dealt with and closed. I'm not holding my breath. Please give these guys a wide berth. God forbid a love one passes whilst in contract with them. Charlatans! Reviewed on: 28th October 2020

Excellent Service

Excellent service and the website is easy to navigate around. I decided to renew my policy with Swinton as I was pleased with their overall performance and customer service. Thank you Reviewed on: 13th July 2020

RIP off nobs

Rip off there wanting 600 pounds off me I only been with them 14 days Keep away from them Do Not Go With them Reviewed on: 28th May 2020

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