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Swinton Insurance: Car insurance reviews

Name: Car insurance
Rating: 2.77 (114 reviews)

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2.54

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

Re-newal

The only company that did not raise it's prices at re-newal time and were the cheapest. Reviewed on: 12th November 2018

Great service

The people at Swinton explain everything very clearly and always have a great price for the insurance I need. Well done! Reviewed on: 7th November 2018

Very helpful staff

I recently had to change my car insurance details as I bought a new car. The person on the phone was so helpful and friendly. I also wasn't charged the admin fee as I was unable to change my details online. Reviewed on: 23rd September 2018

After years they hiked up my insurance

After being with them for many years with a decent price for my insurance, they hiked the price up by more than £400! The policy was exactly the same & nothing had changed! Very disappointed Reviewed on: 23rd September 2018

Automatic renewal at very high rate

I had my car insurance renewed at a very high rate, I had to call and re negotiate and got a much cheaper quote at nearly 50 percent less but I had to pay to move to the cheaper option. Why are customers renewed at the high rate automatically without being informed of better options before automatic renewal Reviewed on: 23rd September 2018

Friendly & helpful

After many years of staying with the same company, “the post office”I decided to switch, I spoke with an extremely polite and helpful lady, as well as saving money, I was impressed with the experience, after all “good manners are free”! Later that week after telling the post office why I was cancelling, I received a renewal quote from them in the post, it had gone up! Reviewed on: 11th September 2018

Great price

Great price for great insurance Reviewed on: 27th August 2018

Swinton - Cheap But Useless

After a month my swinton insurance cancelled. You have to upload your proof of ncb via there website which I did easily enough, end of storey I thought. After a month got an email saying my policy was cancelled. I rang them and they were no help what so ever. They pretty much said they didn`t believe me that I had uploaded my proof of ncb, although they did acknowledge I had registered online with them ( why else would I register online other than to upload my ncb!?), and they said emails had been sent to me warning of the cancellation. Search of my email revealed no such emails had been sent! So yes they are cheap but seems like it might be a gamble as to whether your car is actually insured, in summary I went to direct line, little more expensive but helpful and there web stuff works, swinton are shit. Reviewed on: 24th November 2017

Seems good but big increases on renewal

They're OK and when you call for help they do resolve and help but the renewal costs don't give any allowance for being a loyal customer and if you miss a payment the fees are very high Reviewed on: 1st October 2017

Ok

Good the first year but premiums hiked second year. Were not helpful when I asked Reviewed on: 1st October 2017

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