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swift cover without compromising on care
Member Name: hayley_dl
Advantages: excellent customer service, very understanding, very quick to apply and sort out claims
A few years ago I bought a new car, the garage MOT'd and taxed it for me when I bought it and therefore I agreed to pick it up in a few days time. I obviously needed insurance before I could pick the car up and so chose swiftcover mainly because I could get covered quickly but also because the prices weren't too excessive.
I couldn't have chosen a better company. I was very pleased with the service I got and feel throughout the year I was with them they did over and above what they needed to. Applying and getting a quote was very quick and simple (well, as simple as it can be applying for car insurance anyway!). I chose to pay monthly since at the time I was still classified as a young driver and there was no way I could afford the premium they were asking in one go. Twice throughout that year I had serious financial problems, once because my wage hadn't come through and once because my bank withdrew my overdraft. As soon as I found out that I was having problems I called swiftcover to inform them and ask if there was any way to defer payments. Both times they were very understanding and went the extra mile to help me.
The first time they agreed to let me pay that month and the following month in one go when my wages should be through and the second time since that was a more permanent problem they split the payment over the remaining months as that was less for me to pay each time and therefore wouldn't put me in more difficuly then I already was. I was happy with this arrangement and so they set this up immediately and sent me email confirmation in case there were any problems later.
About half way through the year I, unfortunately, was involved in an accident. Although noone was hurt and my car was ok the other car was fairly seriously damaged. I was stationary waiting for a car to pass by when a van drove into the back of me. My car had a tow bar and that is why there was more damage to the van. I obviously got out and gave him my insurance details but he refused to give me mine.
As soon as I got home I tried to report the accident to swiftcover online but their system needs the insurance details of the other party so, I called instead. The phone was answered very quickly and the lady was very helpful. I explained the situation and she said it shouldn't be a problem if I had his number plate. I did since I had taken this when he refused to give me his details and so gave it to her. I later hear from my insurance that he is claiming I reversed into him (probably why he refused to give his details!). They asked if I had any witnesses which unfortunately I didn't but they said they'd keep fighting my case and let me know my outcome. A few days later I checked online and noticed that the claim had gone through and that it was all taken from the other company and therefore would not affect my no claims.
All in all an excellent insurance company that I would not hesitate to use again. The application itself was quick and easy. They went the extra mile when I was having financial difficulties and couldn't have done more to accommodate me and when I did have the misfortune of needing to make a claim this was dealt with quickly and easily despite difficulties caused by the other side. Although they weren't the cheapest at the time I was looking I feel they were worth the extra money paid since their customer service was second to none.
Summary: an excellent insurance company I wouldn't hesitate to use again.
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