Car Insurance | Swiftcover

Cut costs, not corners

Choose Swiftcover for car insurance that keeps you protected on the move – with no frills, fuss or unnecessary costs.

Want protection against uninsured drivers?¹ A courtesy car while we repair yours, and a lifetime guarantee on repairs?² Access to a UK-based claims line for support when you need it?

Benefits of Swiftcover car insurance

Uninsured driver promise¹
Uninsured driver damage your car and you’re not at fault? Let us know the make, model and number plate of their car and we'll put things right. You won’t lose any of your no claims discount if you're not at fault.³
Lifetime guarantee on repairs
Get repairs from our approved nationwide network. They’ll come with a lifetime guarantee - and you can rely on them for as long as you own your car.
UK-based claims line
Access support when you need it.

We’re here to take your call Monday to Friday 9am to 5pm (new and existing claims), Saturday 9am to 5pm (new claims only), and Bank Holidays 9am to 4pm.

If you’ve been involved in an accident and call outside of our working hours, please note we’re only available to provide emergency assistance for the recovery of your vehicle if it’s undriveable. If this service isn’t required, please call back during office hours.
Courtesy car
Keep on-the-go after a claim. While your car is being fixed by our nationwide repair network you can rely on a courtesy car for the duration of repair.⁴

Car insurance cover options

Here’s an at-a-glance guide to the cover we offer:

Third party, fire and theft car insurance

Comprehensive car insurance

Damage to other people's cars or property

Injury to other people

Repair or replacement of your car if it is damaged by fire

Repair or replacement of your car if it is stolen or damaged by theft

Overnight accommodation or onward travel⁵

Courtesy car⁶

Lifetime guarantee on repairs⁷

Replacement keys or locks if your car keys are stolen

Repair or replacement of your car if it is damaged accidentally - even if it was your fault

Not included

£5,000 personal accident cover

Not included

Windscreen repair or replacement

Not included

Replacement keys or locks if your car keys are lost accidentally

Not included

Uninsured driver promise⁸

Not included

FAQs

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, Swift Court, Fudan Way, Stockton-on-Tees, TS17 6EN. 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

Optional extras

Add any of the following cover options when you get a quote:

No claims discount protection

Had car insurance for a year or more, and haven't made a claim? Get a no claims discount. And with at least one year's no claims discount, you can protect it with Swiftcover car insurance.

And if you purchase this as an add-on, you can keep your discount at renewal if you make a claim, and can have one claim in a year, or two claims in a three-year period.

Legal cover

If an accident happens and you weren’t at fault, legal cover will cover the costs associated with recovering uninsured losses - which includes your excess, transport costs, loss of earnings, medical expenses and compensation awarded for injuries.

Read the policy wording to find out more

Courtesy car upgrade

Get a courtesy car as standard after a valid claim - upgrade to get a hire car of a similar size/capacity/transmission as your own. Use the hire car for up to 21 days after your car is stolen or written off.

Read the policy wording to find out more

Personal accident and rehabilitation

Rely on expert medical care after an accident in your car. With Personal Accident payments included too, you could receive up to £100,000 to help you on your way.

Read the policy wording to find out more

Breakdown recovery

Don’t worry if your car breaks down by the side of the road. Swiftcover offer four levels of protection that you can customise to fit your needs. Choose from Swift Roadside, Swift Rescue, Swift Rescue and Home Start or Swift European.

Get a quote

Ready to go? Start your Swiftcover quote and get protected today.

Get a quote

Policy documents

Detailed documents on the cover you’ll get with Swiftcover insurance.

Find out more

Frequently asked questions

The answers you need, provided by our expert team

View FAQs

¹ Included in Swiftcover comprehensive car insurance.

² Lifetime guarantee on repairs from our approved network for as long as you own the car.

³ We will return any No Claims Discount and Excess if you are not to blame.

⁴ Subject to availability following a valid claim.

⁵ If your car can't be driven following damage covered by your policy.

⁶ 3 door 1 litre manual car provided for a maximum of 14 days. Not available if your car is stolen and not recovered. Terms and conditions apply.

⁷ From our approved network for as long as you own your car.

⁸ You'll get back your no claims discount and excess if your car is damaged by an uninsured driver. You will need to provide the make, model and registration number of the other car in the event of a claim. Applies when you are not to blame. The policy wording contains full details on all the cover available from Swiftcover car insurance. You can also enjoy extra peace of mind by choosing our cover options.