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Swinton Insurance: Home Insurance reviews

Name: Home Insurance
Rating: 3.17 (53 reviews)

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2.69

Based on 53 reviews, last reviewed 13th Mar 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

32%

26%

36%

Latest highest rating:

4

I've felt protected in my flat contents insurance wi... I've felt protected in my flat contents insurance with them. When a bad sewage backflow leak happened due to another downstairs flat tenant stuffing t... Read more Reviewed on: 23rd August 2024

Latest lowest rating:

1

100% rise in my premium No claim made in the last several years but Swinton raised my premium quote to £518.98 from last year’s figure of £234.26. This is an uplift of more t... Read more Reviewed on: 13th March 2025

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About this product

Finding the right insurance provider can be difficult with such a wide range of providers and policies on the market. At Smart Money People, we aim to make this process easier for you. We collect Swinton home insurance reviews to help you make an informed decision when choosing your new provider.

Swinton offers both buildings and contents insurance, as well as a combined policy. Choose from three levels of cover: Essentials, Standard and Premier. Each level of cover can be made more robust with additional extras, such as home emergency cover, legal expenses and more. Swinton also offers specialist home insurance policies. These include non-standard builds, timber frame properties, listed buildings, flood risk properties and more.

Does Swinton sound like the right insurer for you? Our Swinton home insurance reviews can give you valuable insight into what you can expect as a policyholder. Learn how satisfied customers have been with their policies and whether they would renew them. Read about policyholders’ experience with the customer service team. Find out more about the specialist options available and how suited they are to each circumstance.

Have you had a Swinton home insurance policy? Share your honest experience with others on Smart Money People. Tell us what policy you chose and which level of cover you opted for. Were you satisfied with the cost of your premium? Did you need to make a claim on your policy, and if so, how well did Swinton handle it? Would you renew your policy and recommend the provider to family and friends? Whether good or bad, write a Swinton home insurance review today. Together, we can help people like you make better financial decisions.

Swinton Insurance Home Insurance reviews (53)

Review of the Swinton Insurance, Home Insurance:

BEST AVOIDED

UNRELIABLE. DIRECT DEBITS INVARIABLY GO WRONG, IN FAVOUR OF SWINTON. LOTS OF GET OUT CLAUSES IN SMALL PRINT, IN FAVOUR OF SWINTON. POORLY TRAINED INSURANNCE CLERKS. TREAT CUTOMERS LIKE RUBBISH. A COMPANY BEST AVOIDED! Reviewed on: 1st October 2017

Treated like a criminal

I bought my policy back in march 2019 via compare the market. I have never defaulted on my payments and have received the renewal email each year stating that if you are happy to proceed you need to do nothing and payments will carry on. They also asked if my situation had changed, which it hadn’t from when I started the policy. On Friday 25th November I was broken into and my home ransacked, several personal things were taken along with my sons car! I contacted Swinton and started my claim. I was contacted by them asking me about a CCJ I had, yes I replied I do have one back in 2019 but I was never asked about wether I had one and I do not understand what difference this makes to my claim? After almost 6 weeks of several phone calls asking me the same questions and being treated like I was the criminal not the victim I have received and email today telling me the policy has been cancelled and I need to pay the balance to them?? And also the claim was rejected due to me having a CCJ!! The CCJ that I was never asked about…. I will not be paid for the stolen items and I now do not have insurance on my home either, they emailed me to let me know which I find very unprofessional. When dealing with a break in the last thing you need to add to the stress and worry is your insurance company letting you down. I hope no one has to deal with what I have gone through/going through. Stay away from this insurance broker especially when using compare the market etc as they do not ask the questions they need answering so therefore selling false policies. They were very happy to take my monthly payments but sadly when needed to pay out everything changed. Reviewed on: 2nd January 2023

Absolutely rubbish

If I could give zero stars I would. Absolutely useless. My 85 yr old mother has the gold home emergency cover. Boiler broke 14 days ago 15 th Dec, 5 days later an engineer turned up, needs parts. 3 days later the parts haven’t arrived. Then next day parts haven’t arrived and it’s 2 days before xmas. 13 days after first phone call, 3 days after Xmas another engineer turns up with some parts but not all and thinks he’s repairing just a leaking boiler. The boiler was leaking but also didn’t work. It worked for 1 hour after he left. Got up today. Not working. A vulnerable 85 year old disabled lady left without hot water and heating over Xmas and now it looks like new year as well. All I get when I phone is , sorry for the inconvenience but there’s nothing we can do, we’ll send an engineer out. Swinton blames the contractors, contractors blame Swinton. My mum has had this insurance for 12 years and used it once. Absolutely disgraceful Reviewed on: 29th December 2022

Great value

Best value for money available for my circumstances Reviewed on: 15th August 2022

300% increase on renewal? No Thanks

My home and content s came through and the core policy has increased from £211 to £638. Over 300% No claim, no changes to the policy, No claim ever so have max 10 years no claims. Not even going to dignify ripoff Swintons renewal with a response as the only response to that is cancel and never go back Reviewed on: 2nd July 2022

Ripoff Company

Swinton Home Insurance charged me £56.98 to cancel my policy after 4 months, this is the same price for 12 months cover!!!!!! Reviewed on: 28th March 2022

Traumatised by my experience with Swinton.

I feel so terribly sorry for anyone who has taken insurance out with this unprofessional and morally questionable company. If you are vulnerable and have suffered them, you have my deepest sympathy. I have endured the most traumatic year of my life without any support from Swinton - despite having three different home insurance policies sold to me by them. After an unscrupulous landlord in the flat above me allowed a leak into my hone to continue for up to a year, without any attempted remedy, I have lived with leaks into my home every few days, two fire brigade visits and a ceiling that collapsed above me - and Swinton informed me yesterday that definitively I was not covered for this; the case is clear cut - property owner negligence - and my documents clearly state that I am covered for a leak from another property. In communication with Swinton, I have developed deep seated anxiety and mental frailty. I have been patronised on more than one occasion by home legal (their legal branch) and despite sending a wealth of evidence to them unequivocally proving landlord negligence, home legal refused my case. In communication with Swinton they had stated that there was a possibility of moving forward with a case initially, yet Swinton still informed me that I had no case. In addition they have refused to log my latest complaint. Last year Swinton changed my home insurance to a company that uses a credit firm to set up customer direct debits. I was looking into a mortgage at the time and deliberately avoided purchasing anything on HP to ensure that I was not having other credit checks done, to ensure I sustained my healthy credit rating. Yet unbeknown to me Swinton facilitated the move to a company that carries out credit checks. Getting through to anyone on the phone is challenging - and that is before coved 19. Most times I have had to communicate with Swinton in the past year I have ended up in tears, distressed by the situation. I have been sold three null and void insurance policies by this company - none of which are covering me for my leak and I cook and eat beneath an exposed sewage pipe in my kitchen with half a ceiling - with no recourse to support. Edit Delete Share Reviewed on: 28th April 2020

Unfairly refused claim

Swinton Insurance refused a claim for damage to roof, even though an independent builder backed up the claim. I believe the refusal to accept the claim was unfair, poor customer service of course, and I would not want to use that company again. Reviewed on: 12th September 2019

Excellent fast and trustworthy

Only had to claim once but there was hassle. Called and they asked the details asked if we wanted anyone sent or we could get someone to do a report. Sorted and paid in two weeks Reviewed on: 9th September 2019

Always reliable and great customer service

I've used Swinton for various insurance products over the years and love that I can often speak to someone local. Customer service has always been excellent. Reviewed on: 8th September 2019

Great for home insurance

Efficient and excellent service. Pleasant an knowledgeable staff Reviewed on: 1st September 2019

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