I bought home insurance with Swinton because they came out cheapest on a comparison website.
I didn't like them instantly as from day one they would call incessantly trying to get me to upgrade to things that I didn't need. They would never take no for an answer and it began to feel like harassment.
About 3 months into my contract with them I started to notice an extra £5 being taken out of my account each month. Hmm. I smelt a rat.
Upon contacting them I learnt that they had given me FREE emergency cover for the first month and now I would have to pay for it. WHAT? What the heck is emergency cover? I mean - if my house is on fire, I would say that's an emergency. I would also say that I would expect my insurance company to step up as part of my policy. Why the extra cash?
After loads of phone calls they removed this emergency cover rubbish from my account but they wouldn't refund the money they had already taken.
Not long after (sod's bloody law) we had a huge storm and my roof literally collapsed into my kitchen. On a Bank Holiday weekend. Super!
I immediately called Swinton who were CLOSED!
I managed to get through to Aviva who I learnt were the actual Insurer - Swinton is just an intermediary, although they do not make this clear at all - where they advised that because I didn't have the emergency cover they couldn't help anyway.
It was a total cop out and I had to get by on my own without the lying sods. Even Aviva recommended that when it was time to renew we drop Swinton and go direct to them. We actually dropped both of them in the end.
I really urge you not to buy this insurance. You do get what you pay for with these guys.
Our house insurance cost £89 for the year taken out last September, I've just contacted Swinton to change this to Landlord's insurance as we now have a tenant (insurance companies don't allow you to have landlord's insurance when doing up, ie no tenant) When we bought the insurance with Swinton they said that they will try to change the insurance with the same company to save charges, what they didn't say was that the insurance company they sold us doesn't do landlord's insurance, which they were quick to tell me when I just called. Despite paying the premium up front for the year, to cancel now, just 1 third through the policy they say I owe them £3.57! This is because the refund amount would be £46.43 but they charge £50 admin fees. They cut me off when I asked who our current insurance was with but had said the £50 wouldn't be charged if we went with a landlord's insurance quote of £180. I have just booked a full year's landlord's insurance with another company for £93, half of their quote. It's a disgrace that they are allowed to get away with these charges, we have 5 properties & 2 cars, they will get no further business from us.
This review is for Swinton Home Insurance.
You can not move address with in your contract because they will charge you a fee £50 to transfer we were told it is administration fee.
If you tell them you are canceling the insurance and would like to renew another one for your new home it is a cancel fee off £75.plus other cost to set it up which with a month left of a policy is very expensive.
If you say I will let it run out as it is only a month and not renew you are told you will get charge twice the cancel fee because you have not give them a new address even though you did.
If you do not renew they say they will charge you £75 for not giving them a change of address even though you did because you wanted to transfer policy to new address.
When you say you will cancel and go somewhere else you will still get charge £75 We where told all insurance companies do this.
These charges are for every individual policy you have with them which means the cost or very high.
After paying these charges and your policy runs out and you inform them you are not renewing,the nightmare begins again.
f you choose not to renew they send you a Credit agreement notice saying you give them notice of variation and quote "they are please to confirm that we have now accept your credit agreement".
Even though you did not telephone, verbal speak to then or write to them, only repeatably tell them you are not renewing.plus they also write they will charge you if you cancel this agreement.( which you did not make or sign an agreement for).
A complete Nightmare your hands or tied by this company there seems to be no get out clause.
I object to being blackmailed in to staying with a company who treats it customers like this It is the same with Car insurance a charge of £50 for change of address.
Any change of circumstance counts with there car insurance policy you get charge for change of address £50 ,selling it etc you still get charged a cancellation fee £75 within your insurance policy contract.
You are in a no win situation.
Be warned they have lots of hidden charges that they will bully you with and blackmail you into staying with them .
Been with Swinton Group Ltd for over 20 years.
Been Loyal customer never made a claim even put up with their consistent pestering by phone.Will never insure with them again.
Very Bad customer customers services.It is like banging your head against a brick wall .Also never give them your phone number or email they will consistently pester you.
I bought Swinton Home Insurance online for the last 2 years. They have a branch in my home town so I assumed that if I ever needed to claim (not that I ever have), it would be dealt with easily. Each time I renewed I found I actually got a better deal and cashback online, rather than from my branch, and I did try to get my branch to match the online price, for exactly the same cover, but they were never able to do so, which is a little odd.
Claiming - Last year my extension roof leaked very badly. I visited branch but was referred to a 0844 number to register a claim. The advisor was helpful and told me I was covered and to get two quotes and that if both were under £1000 no assessor would be needed. Both quotes were under this amount but when I recalled the advisor moved the goalposts and informed me that I did need an assessor and the quickest appointment was in over a weeks time. By this point my kitchen ceiling had collapsed and water was getting into my electrics. No amount of begging and pleading would move them, so I called one of the roofers and got them to do it 'off insurance'. I have had a similar issue this year and a similar response from Swinton. The fact that there is a branch locally does not mean they can deal with your claim, I believe they are merely sales people and I won't be renewing with them this year.
Every year I renew the car insurance I look at home insurance deals I usually umm and ahh and then decide we will be alright without contents insurance, then last year I decided it was about time to sort it out. What if my house burnt down, or god hit me with lightening or I flooded or a bus hit my house or some other disaster.
So I scoured the internet in my usual over the top fashion using a good many search engines and eventually decided on Swinton home insurance as they have a branch in my town so if I have any problems I can nip in and talk face to face instead of the phone.
Swinton provide a lot of different insurance packages and I have had my car insurance from them in the past so I figured I already know the company reasonably well. They do Car, home, motor bike, travel and business and specialist insurance for classic cars.
Swinton have over 50 years in the insurance business so are well established and they have over 600 local branches. Having local branches means you can pop in to arrange insurance instead of over the phone or internet.
I dealt with my insurance policy via the internet as there was an offer of £30 cash back after the first three months. The new offer is a 1/3 off if you buy online. I just clicked the home insurance link on the company's home page this brought up a description of the home insurance products they offer and what you get in the package as standard. If you like what you see you can then click to get a quote, the online form is really easy to fill in and the questions are pretty simple i.e. do you have a burglar alarm? What types of locks do your windows and doors have? Is the property left unoccupied for long periods of time? As well as your name address and contact details.
Once the form is completed Swinton then search through there panel of insurers. They show you there quote and the best quotes from three other companies' at this point you can choose to buy the quote or you can save it to retrieve at a later date. I like the fact they only give you three quotes as some of the comparison sites give you so many quotes that you can't make your mind up.
If you choose to buy the quote you can then add on optional extras such as legal protection, accidental damage etc. these do push your quote up but it is all clearly displayed. To purchase the policy you enter your card (visa, maestro etc) details to pay the first month's instalment or to pay in full. If you choose to pay by instalments you need to enter bank details to set up a direct debit. It does cost a bit more to pay monthly but if you can't afford it all in one go this is a good option. Then you sit back and wait for your policy documents to arrive in the post knowing you are all insured.
I only paid £10 a month for the first year and I thought that was super cheap. I have got a three bedroom semi built in 1919, not in a flood risk area. The following year Swinton auto renewed on me so I phoned them up and they offered to refund my direct debit. I was quite happy with that and I asked them for a quote for this year that included accidental damage as my husband falls asleep with his laptop open on his knee's and my youngest step-daughter has a habit of dancing around very close to expensive electrical items. Adding on the accidental damage was an extra £4 a month so I thought I might as well have it.
I have never claimed on the insurance policy but I have every confidence that if I were to claim I would be dealt with brilliantly.
Thank you for reading x