Swiftcover car insurance review

Swiftcover is owned by Axa and offers both car and home insurance. You can buy a policy direct or through comparison websites.

We've reviewed two Swiftcover policies: its standard cover and a premium Plus policy. We didn't receive feedback from enough customers to rate its levels of service.

Both policies cover drivers aged between 21 and 82.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Does Swiftcover offer the best car insurance?

See how this compares with the best car insurance, or read more about how we rate car insurance.

What does Swiftcover car insurance cover?

We reviewed two Swiftcover policies. Select a policy from our table to see its score and what it offers.

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'Not enough to get over the Best Buy threshold'

Dean Sobers, Which? car insurance expert, says:

Swiftcover’s best-performing policy Plus bagged a score of 64%. This was just above the average (62%), but not quite high enough for Best Buy consideration.

Policyholders can reach its highest level of no-claims discount in four years, which is fairly quick compared with other insurers.

It also guarantees repairs it arranges for the remaining time you own the car.

We did notice, however, that if your car is vandalised or hit while parked (meaning there’s no identified culprit for your insurer to track down), you’ll lose your no-claims discount if you make a claim. The policy also lacks medical expenses cover.

Personal belongings cover

Swiftcover’s policy provides £1,500 cover for personal belongings in your car. This is fairly generous compared with other policies, and it also covers belongings such as laptops and tablets, which are often excluded.

Car insurance

Swiftcover’s standard car insurance policy scraped a lacklustre score of 47%, placing it near the bottom of our table.

How good is Swiftcover at handling claims?

Swiftcovers’s underwriter Axa accepted 95-100% of car insurance claims in 2024. This was around the average (98.8%) for the market.

Of customers who claimed, 15-20% made a complaint, which is significantly more than average (6.9%).

How can you save money on Swiftcover car insurance?

You can buy Swiftcover policies directly from its website or from the following comparison websites:

• Compare the Market
• Confused.com
• GoCompare
• MoneySuperMarket

In general, car insurance policies are cheaper to buy through comparison websites than directly online, and are priciest when bought over the phone.

Swiftcover doesn't offer a discount if you take out policies for both car and home insurance, and there's no discount if you buy a policy for more than one car.

The above information is correct as of December 2025.

How does Swiftcover compare with other providers?

With a policy score of 64%, Swiftcover's premium Plus cover didn't do quite as well as 1st Central's Extra Premier and Extra + Legal, Direct Line's Standard Online cover and the AA's Platinum (all 65%).

Swiftcover's standard policy scored 47%, placing it second to last in our table. Axa's standard cover scored 48%.

Swiftcover: how can I claim?

If you need to make a claim with Swiftcover car insurance, you can call 0371 984 3333 or start a claim online.

• Find out more: is it worth claiming on your car insurance?

Should you buy Swiftcover car insurance?

Probably not. Plus was respectable on paper, if not exceptional – but Swiftcover's high levels of complaints from claimants would give us pause.

How we rate car insurance