Flexible and Simple
Car Insurance

Frequently asked questions

Can I drive someone else’s car?

Cover to drive other cars only applies if it’s shown in Section 5 of your Swiftcover certificate of motor insurance, and the cover provided is limited to third party only.

For further information please see our questions page.

Your guide to providing your No Claims Discount

We’ll increase your No Claims Discount (NCD) for every claim-free period of insurance you have with Swiftcover. Remember, your NCD is not transferable to another person – except in exceptional circumstances and with our written agreement.

How to view or change car details

Head to your personal online account and make your changes there. It's secure, fast and easy. And it's free of admin fees.

If you add or change a driver, it could result in your premium rising or going down. The new price will be worked out in an instant online. Keep all your details up-to-date, because your cover could be affected if anything isn't correct.

Do I need to send Swiftcover proof of my No Claims Discount?

You only need to do so if we ask you. If you do, a renewal notice from your previous insurer will work perfectly.

E-mail us ncd@swiftcover.com, or post to:

Swiftcover
PO Box 2796
Bolton
BL6 9LZ

We won't be able to return any proof of NCD, so it's a good idea you take a copy before posting it to us. 

Your proof of No Claims must be:

• Issued by your previous insurer in England, Scotland or Wales
• Less than 24 months old
• Earned in England, Scotland or Wales on a private car, or
• Earned in England, Scotland or Wales on a motorbike by a policy holder aged 22 or over
• In your name as the policy holder
• Earned on a full UK or EU licence, and used to insure one vehicle only

It can take up to three working days to process a proof of no claims discount. Check your e-mails and online account for any updates, but you don’t need to call us to check.

Is it worth protecting my No Claims Discount?

Well, a No Claims Discount saves you money – so you might want to keep it safe. You can protect it when you take out or renew your policy – and if you’re eligible to protect the discount you’ve built up, we’ll offer you the chance to do it then.

You can protect your No Claims Discount within 30 days of your policy start date – but if you miss the deadline, you won’t be able to add it for another year.

With protection for your NCD, you won’t lose it if you:

• Make only one claim in any one policy year
• Make two claims in a consecutive three-year period