Swiftcover is an online only motor insurance company.. I discovered them two years ago when I was looking for motor insurance through a comparison website.

I was after fully comp insurance with a minimal voluntary excess and they came out the cheapest. For the price I also get a basic 1.0 courtesy car should mine be involved in an accident or it gets stolen which bearing in mind I drive a 3.2 Audi it doesn't offer a comparable vehicle but for the price of the premium I was happy to accept this.

As its all online, you need to register with them and have to print out your own policy, schedule and insurance certificate so if you don't have access to a printer beware! However this can be really handy as you don't need to print these until you need them.

You do need to send your proof of no claims discount to them but you can send this by post, fax or email.

Also if you want to make any amendments to your policy this can all be done online so you are fully in control of your policy. The only time I had problems with this is when I was trying to add a temporary driver and it does not allowo this and I was also unable to add them for the rest of the term but after emailing them to query, they came back within 24 hours to advise that this was because I already had one additional driver on the policy, however this may be because of the group vehicle I drive so I'm not sure if you can have more than one additional driver or not!

They will also email you about a month before renewal and when you log onto your account you can see how much your renewal premium is. I'm now in my second year with them and whilst I've not used their claims line (fortunately!) I find the website really easy to use and navigate and they did answer my query quickly