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.

Our customer experience ratings
Our product ratings

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Car insurance

4 products reviewed

Electric Car Insurance

3 products reviewed

Premier Car Insurance
Classic Car Insurance
Essential Car Insurance

Swinton

Premier Car Insurance

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

Swinton

Classic Car Insurance

Feature	Value
Courtesy car for duration of repair	Yes
Uninsured driver promise	Yes
Cover limit for lost keys	£750.00
24hr helpline available	Yes
New car replacement	Yes
Courtesy car provided if stolen / total loss	No
Windscreen repair excess	£25.00
Windscreen replacement excess	£75.00
Cover limit for stolen keys	£750.00
Cover for replacing original audio/visual equipment	Unlimited
Repairs guarantee (years)	5 years
Vandalism	Yes

Swinton

Essential Car Insurance

Feature	Value
Courtesy car for duration of repair	Yes
Uninsured driver promise	No
Cover limit for lost keys	£300.00
24hr helpline available	Yes
New car replacement	No
Courtesy car provided if stolen / total loss	No
Windscreen repair excess	£25.00
Windscreen replacement excess	£75.00
Cover limit for stolen keys	£300.00
Cover for replacing original audio/visual equipment	Unlimited
Repairs guarantee (years)	5 years
Vandalism	Yes

Third Party, Fire and Theft Car Insurance

1 product reviewed

Classic Third Party, Fire & Theft Car Insurance

Swinton

Classic Third Party, Fire & Theft Car Insurance

Feature	Value
Courtesy car for duration of repair	No
Uninsured driver promise	No
Cover limit for lost keys	£0.00
24hr helpline available	Yes
New car replacement	Yes
Courtesy car provided if stolen / total loss	No
Cover limit for stolen keys	£750.00
Cover for replacing original audio/visual equipment	Unlimited
Repairs guarantee (years)	5 years
Vandalism	No

Home emergency cover

3 products reviewed

Boiler Breakdown Cover

3 products reviewed

Home Emergency (Classic Home)
Home Emergency (Premier Home)
Home Emergency (Essentials Home)

Swinton

Home Emergency (Classic Home)

Feature	Value
Minimum excess	£0.00
Premium (minimum excess applied)	£4.33
No claims period (Boiler)	14.00
Boiler repair cover limit	£500.00
No claims period	14.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.	£250.00
Getting access and reinstatement	£0.00
Type of pricing	Static
Maximum excess	£0.00
Premium (maximum excess applied)	£4.33
Underwriter	Inter Partner Assistance SA
Unoccupied period	30
Individual call out cover limit for boiler repairs	£500.00
Time limit	N/A
Temporary emergency heating	£50.00
Boiler age exclusions	No exclusion
No claims period for boiler replacement	14.00
Boiler replacement (BER) within 0-4 years cover limit	£250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.	£250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.	£250.00
Boiler replacement (BER) within 8-10 years cover limit	£250.00
Boiler replacement (BER) 11-15 years cover limit	£2.00
Primary flue	Yes
Boiler controls	Yes
Alternative accommodation cover	£200.00
Internal gas supply pipe cover	Yes
Annual boiler service	No
Repairs guarantee	Not Mentioned
24/7 claims helpline	Yes
Primary heating system	Yes
Date of price collection	2026-03-19
Plumbing & drainage cover	Yes
Electrical breakdown	Yes
Pest	Yes
Security	No

Swinton

Home Emergency (Premier Home)

Feature	Value
Minimum excess	£0.00
Premium (minimum excess applied)	£4.33
No claims period (Boiler)	14.00
Boiler repair cover limit	£500.00
No claims period	14.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.	£250.00
Getting access and reinstatement	£0.00
Type of pricing	Static
Maximum excess	£0.00
Premium (maximum excess applied)	£4.33
Underwriter	Inter Partner Assistance SA
Unoccupied period	30
Individual call out cover limit for boiler repairs	£500.00
Time limit	N/A
Temporary emergency heating	£50.00
Boiler age exclusions	No exclusion
No claims period for boiler replacement	14.00
Boiler replacement (BER) within 0-4 years cover limit	£250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.	£250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.	£250.00
Boiler replacement (BER) within 8-10 years cover limit	£250.00
Boiler replacement (BER) 11-15 years cover limit	£2.00
Primary flue	Yes
Boiler controls	Yes
Alternative accommodation cover	£200.00
Internal gas supply pipe cover	Yes
Annual boiler service	No
Repairs guarantee	Not Mentioned
24/7 claims helpline	Yes
Primary heating system	Yes
Date of price collection	2026-03-19
Plumbing & drainage cover	Yes
Electrical breakdown	Yes
Pest	Yes
Security	No

Swinton

Home Emergency (Essentials Home)

Feature	Value
Minimum excess	£0.00
Premium (minimum excess applied)	£4.33
No claims period (Boiler)	14.00
Boiler repair cover limit	£500.00
No claims period	14.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.	£250.00
Getting access and reinstatement	£0.00
Type of pricing	Static
Maximum excess	£0.00
Premium (maximum excess applied)	£4.33
Underwriter	Inter Partner Assistance SA
Unoccupied period	30
Individual call out cover limit for boiler repairs	£500.00
Time limit	N/A
Temporary emergency heating	£50.00
Boiler age exclusions	No exclusion
No claims period for boiler replacement	14.00
Boiler replacement (BER) within 0-4 years cover limit	£250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.	£250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.	£250.00
Boiler replacement (BER) within 8-10 years cover limit	£250.00
Boiler replacement (BER) 11-15 years cover limit	£2.00
Primary flue	Yes
Boiler controls	Yes
Alternative accommodation cover	£200.00
Internal gas supply pipe cover	Yes
Annual boiler service	No
Repairs guarantee	Not Mentioned
24/7 claims helpline	Yes
Primary heating system	Yes
Date of price collection	2026-03-19
Plumbing & drainage cover	Yes
Electrical breakdown	Yes
Pest	Yes
Security	No

Home insurance (building and contents)

7 products reviewed

Buildings insurance

3 products reviewed

Premier Home Insurance
Classic Home Insurance
Essential Home Insurance

Swinton

Premier Home Insurance

Feature	Value
Escape of water excess for buildings	£250.00
Matching sets (Buildings)	Yes
Frozen pipes	Yes
Trace and access	£10,000.00
Underground pipes, cables and tanks	Covered as standard

Swinton

Classic Home Insurance

Feature	Value
Escape of water excess for buildings	£250.00
Matching sets (Buildings)	No
Frozen pipes	Yes
Trace and access	£5,000.00
Underground pipes, cables and tanks	Covered as standard

Swinton

Essential Home Insurance

Feature	Value
Escape of water excess for buildings	£250.00
Matching sets (Buildings)	No
Frozen pipes	Yes
Trace and access	£5,000.00
Underground pipes, cables and tanks	Covered as standard

Contents insurance

3 products reviewed

Premier Home Insurance
Classic Home Insurance
Essential Home Insurance

Swinton

Premier Home Insurance

Feature	Value
Matching sets (contents)	Yes
Theft from outbuildings	£5,000.00
Cover for items away from home	Optional
Money in the home	£1,000.00
Property owner liability	£2,000,000.00
Escape of water excess (minimum)	£250.00

Swinton

Classic Home Insurance

Feature	Value
Matching sets (contents)	No
Theft from outbuildings	£2,500.00
Cover for items away from home	Optional
Money in the home	£500.00
Property owner liability	£2,000,000.00
Escape of water excess (minimum)	£250.00

Swinton

Essential Home Insurance

Feature	Value
Matching sets (contents)	No
Theft from outbuildings	£0.00
Cover for items away from home	Optional
Money in the home	£500.00
Property owner liability	£2,000,000.00
Escape of water excess (minimum)	£250.00

Home Legal Cover

1 product reviewed

Home Legal Expenses

Swinton

Home Legal Expenses

Feature	Value
Limit of indemnity per claim	£100,000.00
Employment - employee	Yes
Property damage	Yes
Contract disputes - pursue	Yes
Property disputes	Yes
Standard advisors cost	£120.00
Employment - excess	£0.00
Contract disputes - defend	Yes
Data protection	No
Jury service - maximum indemnity limit	£100,000.00

Motor Excess Cover

4 products reviewed

Annual Car Hire Excess Insurance

2 products reviewed

Annual Worldwide Excess Insurance
Annual European Excess Insurance

Swinton

Annual Worldwide Excess Insurance

Feature	Value
Excess cover per claim	£6,500.00
Administration fees cover	£6,500.00
Family cover / dual lead driver	Optional
Overall excess cover limit	£6,500.00
Curtailment overall limit	£300.00
Personal belongings cover	£300.00

Swinton

Annual European Excess Insurance

Feature	Value
Excess cover per claim	£6,500.00
Administration fees cover	£6,500.00
Family cover / dual lead driver	Optional
Overall excess cover limit	£6,500.00
Curtailment overall limit	£300.00
Personal belongings cover	£300.00

Single Trip Car Hire Excess Insurance

2 products reviewed

Single Trip Worldwide Excess
Single Trip European Excess Insurance

Swinton

Single Trip Worldwide Excess

Feature	Value
Excess cover per claim	£6,500.00
Key protection per claim limit	£500.00
Administration fees cover	£6,500.00
Family cover / dual lead driver	Optional
Overall excess cover limit	£6,500.00
Curtailment per day cover	£25.00
Personal belongings cover	£300.00

Swinton

Single Trip European Excess Insurance

Feature	Value
Excess cover per claim	£6,500.00
Key protection per claim limit	£500.00
Administration fees cover	£6,500.00
Family cover / dual lead driver	Optional
Overall excess cover limit	£6,500.00
Curtailment per day cover	£25.00
Personal belongings cover	£300.00

Motor Legal Cover

1 product reviewed

Drivers Legal Protection

Swinton

Drivers Legal Protection

Feature	Value
Uninsured loss recovery Limit	£100,000.00
Personal Injury limit	£100,000.00
Motor Prosecution defence Limit	£100,000.00
Uninsured driver benefit	No
Consumer Disputes Limit	£100,000.00
Database Disputes Limit	£100,000.00
Vehicle Cloning Limit	£100,000.00
Uninsured driver benefit (Minimum pay out)	£0.00

Pet insurance

12 products reviewed

Cat insurance

6 products reviewed

Essentials £7,000
Classic £4,000
Classic £7,000
Essentials £4,000
Classic £2,000
Essentials £2,000

Swinton

Essentials £7,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£7,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£7,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Swinton

Classic £4,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Swinton

Classic £7,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£7,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£7,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Swinton

Essentials £4,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Swinton

Classic £2,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Swinton

Essentials £2,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Dog insurance

6 products reviewed

Classic £7,000
Essentials £7,000
Classic £4,000
Essentials £4,000
Classic £2,000
Essentials £2,000

Swinton

Classic £7,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£7,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£7,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Swinton

Essentials £7,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£7,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£7,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Swinton

Classic £4,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Swinton

Essentials £4,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Swinton

Classic £2,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Swinton

Essentials £2,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Travel insurance

6 products reviewed

Annual multi-trip insurance

2 products reviewed

Premier
Economy

Swinton

Premier

Feature	Value
Medical excess	£0.00
Cancelling before travel cover limit	£3,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£1,000.00
Emergency medical cover and repatriation cover limit	£10,000,000.00
Missed departure cover limit	£800.00
Natural disaster relocation cover	Yes

Swinton

Economy

Feature	Value
Medical excess	£0.00
Cancelling before travel cover limit	£350.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£500.00
Emergency medical cover and repatriation cover limit	£2,000,000.00
Missed departure cover limit	£500.00
Natural disaster relocation cover	Yes

Single trip insurance

2 products reviewed

Premier
Economy

Swinton

Premier

Feature	Value
Cancelling before travel cover limit	£3,000.00
Medical excess	£0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£1,000.00
Emergency medical cover and repatriation cover limit	£10,000,000.00
Missed departure cover limit	£800.00
Natural disaster relocation cover	Yes

Swinton

Economy

Feature	Value
Cancelling before travel cover limit	£350.00
Medical excess	£0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£500.00
Emergency medical cover and repatriation cover limit	£2,000,000.00
Missed departure cover limit	£500.00
Natural disaster relocation cover	Yes

Travel insurance add-on: winter sports

2 products reviewed

Economy
Premier

Swinton

Economy

Feature	Value
Ski equipment owned cover limit	£500.00
Single owned item cover limit	N/A
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment	£250.00
Ski equipment hired	£250.00
Piste closure cover limit	£150.00
Unused ski pass due to illness or injury	£250.00

Swinton

Premier

Feature	Value
Ski equipment owned cover limit	£500.00
Single owned item cover limit	N/A
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment	£250.00
Ski equipment hired	£250.00
Piste closure cover limit	£150.00
Unused ski pass due to illness or injury	£250.00

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Car insurance

Ranked 39th of 49 providers reviewed

Customer happiness score	55.44%
Customer trust score	50.44%
Complaints performance	64.06%
Transparency rating	63.85%
Fairer Finance Score Reviewed Autumn 2026	58.45%

Home insurance (building and contents)

Ranked 37th of 47 providers reviewed

Customer happiness score	53.46%
Customer trust score	48.42%
Complaints performance	63.05%
Transparency rating	74.06%
Fairer Finance Score Reviewed Autumn 2026	59.75%

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Swinton

Car insurance

Electric Car Insurance

Swinton

Premier Car Insurance

Swinton

Classic Car Insurance

Swinton

Essential Car Insurance

Third Party, Fire and Theft Car Insurance

Swinton

Classic Third Party, Fire & Theft Car Insurance

Home emergency cover

Boiler Breakdown Cover

Swinton

Home Emergency (Classic Home)

Swinton

Home Emergency (Premier Home)

Swinton

Home Emergency (Essentials Home)

Home insurance (building and contents)

Buildings insurance

Swinton

Premier Home Insurance

Swinton

Classic Home Insurance

Swinton

Essential Home Insurance

Contents insurance

Swinton

Premier Home Insurance

Swinton

Classic Home Insurance

Swinton

Essential Home Insurance

Home Legal Cover

Swinton

Home Legal Expenses

Motor Excess Cover

Annual Car Hire Excess Insurance

Swinton

Annual Worldwide Excess Insurance

Swinton

Annual European Excess Insurance

Single Trip Car Hire Excess Insurance

Swinton

Single Trip Worldwide Excess

Swinton

Single Trip European Excess Insurance

Motor Legal Cover

Swinton

Drivers Legal Protection

Pet insurance

Cat insurance

Swinton

Essentials £7,000

Swinton

Classic £4,000

Swinton

Classic £7,000

Swinton

Essentials £4,000

Swinton

Classic £2,000

Swinton

Essentials £2,000

Dog insurance

Swinton

Classic £7,000

Swinton

Essentials £7,000

Swinton

Classic £4,000

Swinton

Essentials £4,000

Swinton

Classic £2,000

Swinton

Essentials £2,000