Swinton

Swinton is one of the UK's largest insurance brokers, and one of the only ones with a major high street presence.

Founded in 1957, Swinton was bought by The Ardonagh Group in September 2018. The Ardonagh Group also owns insurance brands such as Carole Nash and Autonet.

Swinton offers a range of insurance products, with its policies underwritten by a panel of insurers.

Their headquarters are from Salford.

Swinton
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Breakdown Cover

Ranked 27th of 31 providers reviewed.

Customer happiness score 56.1%
Customer trust score 48.78%
Complaints performance 60.66%
Transparency rating 44.69%
Fairer Finance score
Reviewed Autumn 2023
53%

Car insurance

Ranked 38th of 49 providers reviewed.

Customer happiness score 55.8%
Customer trust score 49.21%
Complaints performance 72.25%
Transparency rating 71.46%
Fairer Finance score
Reviewed Autumn 2023
62%
Gold ribbon: first place

Home emergency cover

Ranked 15th of 35 providers reviewed.

Customer happiness score 52.78%
Customer trust score 57.41%
Complaints performance 70.59%
Transparency rating 69.63%
Fairer Finance score
Reviewed Autumn 2023
63%

Home insurance (building and contents)

Ranked 34th of 46 providers reviewed.

Customer happiness score 49.91%
Customer trust score 44.37%
Complaints performance 69.26%
Transparency rating 80.34%
Fairer Finance score
Reviewed Autumn 2023
62%

Car insurance

Swinton

Classic Car Insurance

4 stars
Cover limit for lost keys i £750.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £750.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Swinton

Premier Car Insurance

4 stars
Cover limit for lost keys i £750.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £750.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Swinton

Essential Car Insurance

1 stars
Cover limit for lost keys i £300.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £300.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Home emergency cover

Swinton

Home Emergency (Classic Home)

4 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £200.00
Unoccupied period i 30
Claims limit i Unlimited

Swinton

Home Emergency (Essentials Home)

3 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £200.00
Unoccupied period i 30
Claims limit i Unlimited

Swinton

Home Emergency (Premier Home)

3 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £200.00
Unoccupied period i 30
Claims limit i Unlimited

Home insurance (building and contents)

Swinton

Premier Home Insurance

4 stars
Theft from outbuildings i £5,000.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £75,000.00
Protection against inflation (Buildings)
Contents cover limit i £150,000.00
Money in the home i £1,000.00
Visitor's possessions i £500.00
Office equipment i £10,000.00
Buildings cover limit i Unlimited
Trace and access i £10,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Alternative accommodation cover limit for contents i £20,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £40.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Escape of water excess (minimum) i £250.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £15,000.00
Replace belongings new for old i

Swinton

Classic Home Insurance

2 stars
Theft from outbuildings i £2,500.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £30,000.00
Protection against inflation (Buildings)
Contents cover limit i £150,000.00
Money in the home i £500.00
Visitor's possessions i £500.00
Office equipment i £5,000.00
Buildings cover limit i Unlimited
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Alternative accommodation cover limit for contents i £10,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £40.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Escape of water excess (minimum) i £250.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £15,000.00
Replace belongings new for old i

Swinton

Essential Home Insurance

2 stars
Theft from outbuildings i £0.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £30,000.00
Protection against inflation (Buildings)
Contents cover limit i £150,000.00
Money in the home i £500.00
Visitor's possessions i £0.00
Office equipment i £0.00
Buildings cover limit i Unlimited
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £500.00
Alternative accommodation cover limit for contents i £10,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £40.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Escape of water excess (minimum) i £250.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £5,000.00
Replace belongings new for old i

Buildings insurance

Swinton

Premier Home Insurance

4 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £250.00
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £100.00
Unoccupied period i 60 days
Helpline i
Cancellation fee after 14 days (buildings) i £40.00
Amendment fee (telephone) i £30.00
Property owner liability i £2,000,000.00

Swinton

Classic Home Insurance

3 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £250.00
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £100.00
Unoccupied period i 60 days
Helpline i
Cancellation fee after 14 days (buildings) i £40.00
Amendment fee (telephone) i £30.00
Property owner liability i £2,000,000.00

Swinton

Essential Home Insurance

3 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £250.00
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £100.00
Unoccupied period i 60 days
Helpline i
Cancellation fee after 14 days (buildings) i £40.00
Amendment fee (telephone) i £30.00
Property owner liability i £2,000,000.00

Contents insurance

Swinton

Premier Home Insurance

3 stars
Matching sets (contents) i
Theft from outbuildings i £5,000.00
Cover for items away from home i Optional
Property owner liability i £2,000,000.00

Swinton

Classic Home Insurance

1 stars
Matching sets (contents) i
Theft from outbuildings i £2,500.00
Cover for items away from home i Optional
Property owner liability i £2,000,000.00

Swinton

Essential Home Insurance

1 stars
Matching sets (contents) i
Theft from outbuildings i £0.00
Cover for items away from home i Optional
Property owner liability i £2,000,000.00

Motor Excess Cover

Annual Car Hire Excess Insurance

Swinton

Annual Worldwide Excess Insurance

4 stars
Excess cover per claim i £6,500.00
Administration fees cover i £6,500.00
Family cover / dual lead driver i Optional

Swinton

Annual European Excess Insurance

4 stars
Excess cover per claim i £6,500.00
Administration fees cover i £6,500.00
Family cover / dual lead driver i Optional

Personal Motor Excess Insurance

Swinton

Excess Insurance (Premier Car Insurance)

3 stars
Annual cover limit i £500.00
Claim limit i Unlimited

Single Trip Car Hire Excess Insurance

Swinton

Single Trip Worldwide Excess

4 stars
Excess cover per claim i £6,500.00
Key protection per claim limit i £500.00
Administration fees cover i £6,500.00
Family cover / dual lead driver i Optional

Swinton

Single Trip European Excess Insurance

4 stars
Excess cover per claim i £6,500.00
Key protection per claim limit i £500.00
Administration fees cover i £6,500.00
Family cover / dual lead driver i Optional

Pet insurance

Cat insurance

Swinton

Essentials £4,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i £99.00
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £2,500.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescribed food i £100.00
Complementary treatment i £750.00
Boarding fees limit i £500.00
Death benefit (illness) i £0.00
Euthanasia cover limit i £4,000.00
Cremation i £0.00
Holiday cancellation i
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Swinton

Essentials £7,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,000.00
Medical excess i £99.00
Annual policy limit i £7,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £100.00
Complementary treatment i £1,000.00
Boarding fees limit i £500.00
Death benefit (illness) i £0.00
Euthanasia cover limit i £7,000.00
Cremation i £0.00
Holiday cancellation i
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Swinton

Classic £4,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i £99.00
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £150.00
Complementary treatment i £1,000.00
Boarding fees limit i £750.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £4,000.00
Cremation i £0.00
Holiday cancellation i £750.00
Holiday cover i £4,000.00
Quarantine costs cover i £750.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Swinton

Classic £7,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,000.00
Medical excess i £99.00
Annual policy limit i £7,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,000.00
Cruciate ligament damage i £7,000.00
CT scans i £4,500.00
MRI scans i £4,500.00
Prescribed food i £200.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £2,000.00
Euthanasia cover limit i £7,000.00
Cremation i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £7,000.00
Quarantine costs cover i £1,000.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Swinton

Classic £2,000

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i £99.00
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescribed food i £100.00
Complementary treatment i £750.00
Boarding fees limit i £500.00
Death benefit (illness) i £1,000.00
Euthanasia cover limit i £2,000.00
Cremation i £0.00
Holiday cancellation i £500.00
Holiday cover i £2,000.00
Quarantine costs cover i £500.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Swinton

Essentials £2,000

2 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i £99.00
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £2,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescribed food i £100.00
Complementary treatment i £500.00
Boarding fees limit i £500.00
Death benefit (illness) i £0.00
Euthanasia cover limit i £2,000.00
Cremation i £0.00
Holiday cancellation i
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

Swinton

Essentials £7,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,000.00
Medical excess i £99.00
Annual policy limit i £7,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £100.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £7,000.00
Cremation i £0.00
Age when compulsory excess rises i 5 years
Amendment fee i £0.00
Holiday cancellation i
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Swinton

Classic £4,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i £99.00
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £4,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £150.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £4,000.00
Cremation i £0.00
Age when compulsory excess rises i 5 years
Amendment fee i £0.00
Holiday cancellation i £750.00
Holiday cover i £4,000.00
If renewed, are existing conditions covered? i

Swinton

Classic £7,000

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,000.00
Medical excess i £99.00
Annual policy limit i £7,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,000.00
Cruciate ligament damage i £7,000.00
CT scans i £4,500.00
MRI scans i £4,500.00
Prescribed food i £200.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £7,000.00
Cremation i £0.00
Age when compulsory excess rises i 5 years
Amendment fee i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £7,000.00
If renewed, are existing conditions covered? i

Swinton

Essentials £4,000

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i £99.00
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £2,500.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescribed food i £100.00
Complementary treatment i £750.00
Euthanasia cover limit i £4,000.00
Cremation i £0.00
Age when compulsory excess rises i 5 years
Amendment fee i £0.00
Holiday cancellation i
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Swinton

Essentials £2,000

2 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i £99.00
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £2,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescribed food i £100.00
Complementary treatment i £500.00
Euthanasia cover limit i £2,000.00
Cremation i £0.00
Age when compulsory excess rises i 5 years
Amendment fee i £0.00
Holiday cancellation i
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Swinton

Classic £2,000

2 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i £99.00
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescribed food i £100.00
Complementary treatment i £750.00
Euthanasia cover limit i £2,000.00
Cremation i £0.00
Age when compulsory excess rises i 5 years
Amendment fee i £0.00
Holiday cancellation i £500.00
Holiday cover i £2,000.00
If renewed, are existing conditions covered? i