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Guide To Swinton Home Insurance Review

By Eamonn Turley
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Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team May 2024

This is an insurance company that began in 1957 when the founding father went door to door to sell car insurance. Today they have over 220 branch offices scattered across the UK. The founder was Ken Scowcroft who sold his first car insurance policy for just pounds, still not cheap when adjusted for inflation. 

Ken acting as a middleman for the insurance companies and was able to offer polices from a range of insurance companies and match a policy from a particular customer to the needs of that customer. He sold 100 polices in is first year and in 1960 had opened the first Swinton high street branch Now it has an impressive network of 220 branches nationwide.

Swinton's insurance services continues to grow and prosper and now offer an extensive range of insurance products with Swinton home and holiday home insurance being a favourite, closely followed by motorhome and car insurance

Swinton home insurance products

Similar to most providers of home insurance, Swinton home insurance can be bought as a combined buildings and contents policy or home contents only or builds insurance only.

  • Contents Insurance, this is cover for the contents that make up your home and include furniture, electronic items, white goods, clothes and more. Having contents insurance will protect from a hefty bill to replace these items if stolen or damaged by fire, for example. Make sure to review the building cost agreed amount on a regular basis.
  • Buildings Cover, In the worst case scenario this cover should enable you to rebuild your property without being out of pocket, but it also provides cover for damage to areas of the property example walls and roof and doors and widows
  • Combined Cover, with Swindon insurance you can choose to combine the contents and builds into one easy to manage policy, this should also brings savings. 

Swinton home contents insurance

Contents insurance will cover your furniture, clothes and other personal belongings that reside in the house. Like any home insurance policy, these items will have upper limits on the amount that may be claimed. If you do have high value items, you will need to get these covered as an addition or an extension to your standard home insurance. Speak with your home insurance provider on how to best achieve that.

  • Single Items, This is the amount that a Swinton insurance home policy will pay out for any single item, and currents sites around £2,000.
  • Maximum amount that can be claimed. This is a figure in the policy which will be the agreed maximum amount that can be claimed for loss or damage to home contents. Check it is sufficient and if necessary have it increased so that you are fully protected.

Swinton home buildings insurance

The table below summaries the cover provided by a Swinton home building's insurance policy, the cover is similar to any home insurance buildings policy, when comparing look at the excess amount and any exclusions to making a claim.

Incident Covered by Swinton Buildings Insurance
An escape of water (like a burst pipe)
✓
Fire
✓
Theft
✓
Flooding
✓
Extreme weather conditions
✓
Falling trees
✓

** Swinton Home Insurance Contact Number

Swinton Home Insurance Customer Assistance Team Available from 9am to 6pm Monday to Friday and 9am to 5pm on Saturdays. 0333 035 9373

Types of property covered by Swinton Home insurance

Swinton's insurance services are able to offer cover for a range of property types including ones that are deemed high risk like thatch property insurance and empty house insurance, the others are summaries in table below.

Property Type Cover Available with Swinton Insurance
Timber Frame Property
✓
Listed Building
✓
High Value Property
✓
Unoccupied Property
✓
Holiday Home Insurance Spain
✓
Holiday Homes
✓
Property with Subsidence history
✓

Swinton Car insurance products

  • Essential covers the repairs and medical bills for both vehicles involved in an accident. Replacement of electronic equipment is included, windscreen replacement and use of a courtesy vehicle when needed, along with protection against fire and theft.
  • Classic is the same as Essential along with motoring legal protection, uninsured driver promise, coverage when driving in the EU, lock and child seat replacement along with personal items coverage.
  • Premier is same as Classic but also includes the refunding of your excess up to £500, mis-fueling is covered up to £2,500 and a vehicle will be hired to help you get around for 14 days if you are involved in an accident and your vehicle needs repairs

What types of additional protection can be included?

Van breakdown coverage

  • Roadside repairs.
  • Average time for repair vehicle to arrive is 50 minutes.
  • 24/7 hotline for assistance.
  • Underwritten by Inter Partner SA UK Branch Assistance which is part of the AXA Assistance Group.

Additional Legal Protection

  • Additional coverage for up to £100,000 to cover legal expenses and associated activities.
  • Compensation for personal injuries.
  • Compensation for loss of income.
  • Replacement for personal items lost.
  • Alternative travel costs are covered.

Public Liability Coverage

  • This is additional protection for the van owner that operates out of their van.
  • Each policy is tailored made for the customer.

No Claims Discount Protection

  • Standard is the allowance of 2 claims a year.
  • Without additional protection the premium will rise with each claim.

How to reduce Swinton Home Insurance 

Like all insurance the less  risk that you are to the underwriter, the lower will be your premium. We have listed some factors and steps that you can take. Taking these steps should help lower insurance premium not only Swinton van insurance, but all from other van insurance brokers.

  • Security : The more secure the better, can you provide safe overnight parking? Can you add additional gadgets to prevent theft and track your van should it be stolen? Before going this route, check that ang additions that you add are approved by the insurance industry.
  • Drivers : If can limit your policy to named drivers and if possible the name drivers hould be 25 or over and have a fairly clean driving history.
  • Excess : This is the amount that you will be liable for in the event of a claim against you. Most brokers are happy to discount your premium if you're wil ing to increase this amount.

Only vans less than 3.5 tonnes can be covered by Swinton

  • Essential covers the repairs and medical bills for both vehicles involved in an accident. Replacement of electronic equipment is included, windscreen replacement and use of a courtesy vehicle when needed, along with protection against fire and theft.
  • Classic is the same as Essential along with motoring legal protection, uninsured driver promise, coverage when driving in the EU, lock and child seat replacement along with personal items coverage.
  • Premier is same as Classic but also includes the refunding of your excess up to £500, mis-fueling is covered up to £2,500 and a vehicle will be hired to help you get around for 14 days if you are involved in an accident and your vehicle needs repairs

What types of additional protection can be included?

Van breakdown coverage

  • Roadside repairs.
  • Average time for repair vehicle to arrive is 50 minutes.
  • 24/7 hotline for assistance.
  • Underwritten by Inter Partner SA UK Branch Assistance which is part of the AXA Assistance Group.

Additional Legal Protection

  • Additional coverage for up to £100,000 to cover legal expenses and associated activities.
  • Compensation for personal injuries.
  • Compensation for loss of income.
  • Replacement for personal items lost.
  • Alternative travel costs are covered.

Public Liability Coverage

  • This is additional protection for the van owner that operates out of their van.
  • Each policy is tailored made for the customer.

No Claims Discount Protection

  • Standard is the allowance of 2 claims a year.
  • Without additional protection the premium will rise with each claim.

Swinton Van Insurance address details

To find your nearest branch, use the local branch finder tool on their website.

To find out the details of a Swinton Van Insurance policy, you must ask for a quote. There is no mention of Swinton being the underwriter of the policies, and they offer policies from other insurance companies, which makes them an insurance broker.

Providers of Home Insurance Include:

*51% of consumers could save £151.03 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next seven cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2023. The savings you could achieve are dependent on your individual circumstances.

MultiQuoteTime Ltd Does not recommend any insurance companies. Services offered by this provider may change over time. Always check Ts&Cs.

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