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Very Swift Cover
Member Name: ljackson24
Advantages: Good price, quick to purchase, didn't have to speak to anyone!
Disadvantages: None so far
Having just purchased a new car, I of course needed to get myself some insurance. I decided from the beginning to go for purely the cheapest cover I could find, and wasn't as bothered about other factors such as extra perks like courtesy cars. I used some of the price comparison sites to come up with many quotes, as well as going to a few insurers directly such as Tesco as I have used them in the past. The prices I received ranged from £358 to around £2000 for the year, with most of the quotes being about £600-£800. The £358 quote was from SwiftCover, and that is the only reason why I chose to use them. I thought this was a really reasonable quote, considering how much more the other ones were.
I am 22 years old and have 2 years no claims discount which I earned a couple of years ago, so as I am still quite young and don't have that many years no claims, I was expecting to pay a bit more than I ended up having to pay to SwiftCover. The car I insured with them was a 2002 VW Polo with a 1.9 diesel engine, just to give you more of an idea of what my quote was based on.
--Purchasing the Insurance--
Buying insurance with SwiftCover was a quick and easy process. It was all done online, I simply went to www.swiftcover.com and clicked on 'Car Insurance Quote.' I then had to answer all the usual questions such as details on myself, the car, and my driving details. The forms I had to fill in felt shorter than most online car insurance forms, like there were less questions, and it only took me around 2 minutes to complete. When I had done all that I was given my quote and then just had to choose whether to pay in a lump sum or in monthly installments. I chose to pay all at once and after entering my card details and reading through a few important documents, the process was completed. The whole thing took 5 minutes.
The only thing I had to do afterwards was prove my no claims discount, which I was told to do as soon as possible. As soon as Tesco sent me a letter of proof, I was able to scan and email it to SwiftCover, which again was a quick and easy thing to do. SwiftCover sent me a few reminder emails to make sure I remember to do it (if I hadn't then my insurance would have gone up in price or become invalid.)
As I said, I have done everything online with SwiftCover, which I have found a very convenient way of doing things. Their website is clear and easy to navigate. The company offers other insurance types such as home and travel, and the homepage has links to each different insurance types. Once you have clicked on Car Insurance there is a large 'Get Quote' button to click on, and then you just fill in your details. The website is very simple and couldn't be more clear, it is also attractively designed in purple, white and orange.
The cover I have got with Swift is fully comp, although it is pretty basic, and does include a high excess. I chose to have a high excess (£700) as of course it made the policy cheaper, which as I said is the most important thing to me right now! I also mentioned that I wasn't bothered about extra perks such as courtesy cars, but this insurance cover does actually include a 7 day courtesy car which is nice. It also includes legal cover.
To conclude, I am very glad I chose SwiftCover. It was cheap, quick and simple to buy, and I can see myself remaining with them after the year is up as I am sure that next year they will still be cheaper than any other quotes I will get! Unless I have any problems with them in the meantime (if that happens I will update my review!) then I can definitely give them 5 stars as I don't currently have a bad word to say about them.
Summary: Highly Recommended!
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