How to cancel your car insurance

What to do to cancel your car insurance or decline your renewal

We're sorry if you no longer want to stay Swiftcovered.

In most circumstances you can cancel your policy online in your Swift Space, but there are some situations where you might not be able to, for example, if you’ve got any outstanding actions or changes on your account.

You can also give us a call on 0330 024 6394 - we're happy to help.

Cancellations following a claim

If there’s been a claim or accident on your policy before you cancel, you’ll need to pay the full premium for the year – there are no refunds at any time for cancellation after a claim.

Cancellations within 14 days

By law, you’re entitled to a minimum 14-day cooling-off period, during which you can cancel your policy, or any of the optional add-ons, and receive a pro-rata refund based on the time you’ve been covered by us.

Cancellations after 14 days

If your motor insurance policy is cancelled after the 14-day cooling-off period we will charge a pro-rata refund based on the time you’ve been covered by us, plus a cancellation fee of £52.50.

If you are paying by monthly instalments your instalments will end but you may not receive a return of premium and may be required to pay an additional amount for the time you have been covered.

Upon cancellation, you will need to declare that you will destroy all copies of the Certificate of Motor Insurance relating to your policy (whether held in paper, electronic, digital or any other format) within seven days, in accordance with the Road Traffic Act 1988.

Find out how we process refunds

Please note that no refunds will be paid if a claim has been made against the policy.

Continuous car insurance is a legal requirement - find out more about Continuous Insurance Enforcement.

We’re here to take your call Monday to Friday 8am to 8pm, Saturday 9am to 5pm, and Sunday 9am to 3pm.

Please note you might have wait a while during our busy times. Call us Tuesday to Thursday between 8am and 9am, or 5pm and 8pm, for the shortest wait.

Over the festive period we're here to take your call:

  • Thursday 24 December: 9am to 5pm
  • Friday 25 December: closed
  • Saturday 26 December: closed
  • Sunday 27 December: 9am to 3pm
  • Monday 28 December: 10am to 4pm
  • Tuesday 29 December: 8am to 7pm
  • Wednesday 30 December: 8am to 7pm
  • Thursday 31 December: 9am to 5pm
  • Friday 1 January: closed
  • Saturday 2 January: 9am to 5pm
  • Sunday 3 January: 9am to 3pm
  • Monday 4 January: 8am to 8pm