Swinton home insurance review

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Swinton home insurance overview Does Swinton offer the best home insurance? Swinton's Classic home insurance policy: is it good or bad?

Does Swinton offer different levels of cover? What is Swinton's claims number? Get top money-saving tips from Which?

Swinton home insurance overview

Swinton has been around for more than 60 years, and offers a wide range of insurance products, from car and home to motorbike, taxi and caravan insurance. It has a network of high-street branches where you can buy cover face-to-face.

Part of the Swinton Group, which also includes Autonet and Carole Nash, its policy is underwritten by a panel of Ageas, AXA, Broker Direct, Covea, Integra, Legal & General, LV, Ocaso, Pen & Prestige.

Read our reviews of all the insurers who took part in our home insurance analysis

Does Swinton offer the best home insurance?

Here's how Swinton scored in our latest home insurance survey:

Home And Mobile Insurance

Swinton review

Overall Which? score

Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.

Which? Customer Score

Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Buildings policy score

Which?'s rating of the quality this company's buildings insurance policy. We analysed 48 features of its cover to calculate the policy score.

Contents policy score

Which?'s rating of the quality this company's contents insurance policy. We analysed 67 features of its cover to calculate the policy score.

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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

How we analyse home insurance

We analyse and rate 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.

Swinton's Classic home insurance policy: is it good or bad?

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of Swinton's Classic home insurance rated

Weighting	Policy element	Details	Rating
Most important	Maximum sum insured (£)
Most important	Alternative accommodation (£)
Most important	Owner's / Occupier's liability (£)
Most important	Repairs guarantee
Other	Unoccupancy period
Most important	Trace and access (£)
Most important	Burst pipes - included?
Most important	Blockage of sewer pipe - included?
Secondary	Gradual build-up of groundwater - included?
Secondary	Subsidence - included?
Secondary	Damage to underground services - included?
Secondary	Flood and storm damage - included?
Secondary	Flood and storm damage to outbuildings - included?
Secondary	Storm damage to fences - included?
Other	Theft of keys - included?
Secondary	Theft of keys (£)
Other	Loss of keys - included?
Secondary	Loss of keys (£)

Weighting	Policy element	Details	Rating
Most important	Maximum sum insured (£)
Most important	Alternative accommodation (£)
Most important	Owner's / Occupier's liability (£)
Other	Unoccupancy period
Other	Matching sets cover - included?
Other	Damage by domestic pets covered?
Most important	Single item limit for valuables - max limit (£)
Most important	Contents in the open - within home boundary i.e. garden (£)
Most important	Contents in outbuildings - including garages (£)
Most important	Theft from outbuildings (£)
Secondary	Gradual build-up of groundwater - included?
Other	Garden cover - included?
Other	Garden contents cover - plants (£)
Secondary	Money in the home (£)
Secondary	Money away from the home (£)
Secondary	Credit cards in the home (£)
Secondary	Credit cards away from the home (£)
Secondary	Digital information in the home (£)
Secondary	Items temporarily removed from home (£)
Other	Business / Office equipment (£)
Other	Freezer contents (£)
Other	Guests belongings (£)
Other	Student contents (£)
Other	Nursing home contents (£)
Other	Moving house cover - included?
Other	Theft of keys - included?
Secondary	Theft of keys (£)
Other	Loss of keys - included?
Secondary	Loss of keys (£)

Weighting	Policy element	Details	Area covered
Most important	Accidental damage cover - included?	Optional extra with some cover as standard	Buildings and contents
Most important	Home emergency cover - included?	Optional extra	Buildings and contents
Secondary	Home emergency - limit per call-out (£)	£500	Buildings and contents
Other	Home emergency - emergency accommodation	£200	Buildings and contents
Most important	Boiler cover - included?	Optional extra (home emergency)	Buildings and contents
Secondary	Boiler repair (£)	£500	Buildings and contents
Secondary	Boiler replacement (£)	£250	Buildings and contents
Other	Boiler covered if not annually serviced?	Yes	Buildings and contents
Secondary	Legal expenses cover - included?	Optional extra	Buildings and contents
Secondary	Legal expenses cover (£)	£100,000	Buildings and contents
Most important	Personal possessions cover - included?	Optional extra	Contents
Most important	Personal possessions cover - maximum sum insured (£)	Varies by underwriter	Contents
Most important	Personal possessions away from home - single item limit (£)	Varies by underwriter	Contents
Most important	Personal Possessions limit within a car (£)	£1,000	Contents
Most important	Mobile phones (away from home) - included?	Optional extra (personal possessions)	Contents
Secondary	Mobile phones away from home (£)	£2,000	Contents
Other	Unspecified bicycles away from home - included?	Optional extra (personal possessions)	Contents
Other	Specified bicycle away from home (£)	Varies by underwriter	Contents

Weighting	Policy element	Area covered
Most important	Standard level of excess	Buildings
Most important	Standard level of excess	Contents
Most important	Escape of Water excess	Buildings
Most important	Escape of Water excess	Contents
Secondary	Subsidence excess	Buildings
Secondary	Personal possessions excess	Contents
Secondary	Replacement locks and keys excess	Buildings and contents
Most important	Is NCD offered?	Buildings and contents
Other	NCD protection - included?	Buildings and contents
Other	NCD protection claims (number per year)	Buildings and contents

Weighting	Policy element	Area covered
Most important	Interest charged on payment by instalments (APR)	Buildings and contents
Most important	Renewal Fee	Buildings and contents
Secondary	Adjustment Fee	Buildings and contents
Secondary	Duplicate Documents Fee	Buildings and contents
Secondary	Cancellation fee within cooling off period	Buildings and contents
Secondary	Cancellation fee after cooling off period	Buildings and contents
Secondary	Payment Default Fee	Buildings and contents
Other	Emergency helpline	Buildings and contents
Other	Claims helpline	Buildings and contents
Other	Legal advice helpline	Buildings and contents
Other	Discount for buying buildings and contents insurance?	Buildings and contents
Secondary	Insurer pays switching fees	Buildings and contents
Other	Notice if insurer cancels	Buildings and contents

Table last updated in March 2020. Next update in February 2021.

Does Swinton offer different levels of cover?

Swinton also offers Premier home insurance, which features a higher level of cover and Essentials home insurance, which offers a lower level of cover.

What is Swinton's claims number?

You can make a home insurance claim with Swinton by calling one of the following numbers, depending on your policy's underwriter:

Ageas 0345 122 3019
Allianz 0345 073 1114
Aviva 0345 030 6945
Axa 0330 024 6842
Broker Direct 01204 600 346
Covea 0330 024 2255Geo 01302 303 670
Integra 01274 700 810
LV 0800 202 8464
L&G 0370 900 5565
Modus 0344 856 3816
Ocaso 0207 377 8281
Prestige 08000 327 327
Pen Underwriting 03330 100 790

Swinton suggest you have the following items handy when you call:

Policy documents
Police crime reference number (if applicable)
Photos, receipts or recent valuations

Find out more about claiming successfully in our guide to making a home insurance claim.