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of Scotland

• Saga
• Sainsbury's
• Screentrade
• Sheilas Wheels
• Swiftcover.com
• Swinton
• Tesco
• The Post Office
• Toyota
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• Virgin
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• What Car Insurance
• YES Insurance
• Yorkshire Bank
• Zurich


3 Stars
Swiftcover.com
Owned by AXA Insurance – A major French insurance company.

Awards:
• Winner Best Internet Design.

(av) amounts in brackets are market average.
Address:
Swift House, Walnut Tree Road, Woking. GU23 7HL.
Affiliated Companies:
• AXA Insurance (broker only).
APR on instalments:
23.8% (23.5%) poor value.
Cancellation charges:
Cancellation fee exmple: 6 moths cover = 30% refund of premium (ie. 70% charge for 50% usage) (£42).
Courtesy car:
£17.99 (£25) poor value.
Foreign Use:
First 8 days are £15 then £1 per day afterwards (69 free days) not great. Notify your company of any trip abroad before going.
Legal protection:
£24.99 (£23) poor value.
Maximum age for new business:
75 years-of-age.
Personal accident cover:
Cost £11.99 for up to £100,000 of cover.
Policy amendment fee:
£10 (£17.75) OK.
Protected no claims discount:
Do not pay more than 10% extra.
Staff:
Not applicable, internet only.
Standard use of car:
Social and commuting, extra use costs more. Some occupations are social use only.
Stereo & personal effects cover:
Difficult to acertain before buying policy as details are in schedule.
Vehicle breakdown:
Basic cover price £34.99 (£35) plus home start £79.99 (£66.50) poor value.
Voluntary excess available:
• £50 • £100 • £150
• £200 • £250 • £300
• £500 • £700 • £1000
Windscreen Cover:
Included free. Excess £65 (£64) high.
Cards Accepted:
• Major Credit/Debit cards.
Website:
Best site in the Market.
Phone Number:
Internet only.
Phone: 0870 484 0100.
Customer Services: 0871 230 66 66.
Claims: 0871 984 33 33.
All High Tariff phone numbers.
Comments:
A relative newcomer to UK motor insurance. Occasionally competitive. NB. Policies usually include compulsory excess which are difficult to find. Owened by French insurance giant company AXA.
Company summary:

• Now owned by French giant insurance company Axa.

• Beware of hidden compulsory excess which can flatter the prices offered.

• Also courtesy car and legal protection are not included.

• Can be competitive.

• Several clients have reported poor claims service with Swiftcover which AXA Insurance will surely try to solve (AXA the owners are one of the largest insurance companies in the world).


 
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