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In This Review
- Overall Swinton Home Insurance Review
- Swinton Home Policy and Coverage Options
Swinton Home Insurance Review: What You Need to Know
Is Swinton home insurance any good? Their customer ratings are quite good, quotes are usually very competitive and their "Premier" product has earned 5 star Defaqto ratings for both buildings and contents—but are they right for you? Here's what you should know before you buy a Swinton home insurance policy.
Swinton Home Insurance Key Facts
- Three plans to choose from: Essentials, Classic and Premier
- £500,000 to unlimited cover for buildings
- £50,000 to £150,000 for contents
Swinton has three plan options called Essentials, Classic and Premier give you a choice of coverage and features, with a buildings limit from £500,000 to unlimited cover and contents cover between £50,000 and £150,000.
What's the difference between Essentials, Classic and Premier plans? Classic offers more coverage features than Essentials; and Premier offers more than Classic. For example, Classic and Premier offer cover for blocked sewer pipes, emergency access, theft from outbuildings, contents in the garden and business equipment. In addition, Premier offers set/suite replacement and student cover.
Accidental Damage is not included as standard on any Swinton plans, but can be purchased for an extra premium. Similarly, Personal Possessions cover is not included but can be added onto a policy for an additional premium to protect against loss of or damage to items like wallets and watches when they are temporarily away from your home.
Swinton Home Insurance Customer Complaints, Reviews and Ratings
According to Trustpilot, Swinton is rated 4.3 stars out of 5, which is quite good. 65% of customers reported an "Excellent" experience and 9% a "Bad" experience. While most reviews were positive, of course some customers have complaints. We've scoured through the reviews to learn about common complaints for home insurance specifically. Here's what we found:
"High cancellation charge for cancelling my home insurance."
"Always seemed very efficient, but the prices creep up... When I went on a comparison site I found a policy around 40% cheaper from guess who, yes Swinton."
"We paid our home insurance by direct debit monthly. Our insurance was due for renewal Swintons changed the payments to Close Brothers Finance without telling us, we found out later. When we saw a strange direct debit on our bank online we cancelled it not knowing what it was."
"I have been unable to download Home Insurance Documents... I called on the 7/10/19 0333303590002 after waiting 12.30 I hung up and called again this time 15 minutes before I spoke to a real person. I explained that I had been unable to download my documents and could they please post a copy of the documents, I am still waiting for them to arrive. To add to that I have now received my phone bill and to my horror I find I was charged £2.25 for one call and £2.71for the next."
In terms of features, Swinton's top tier "Premier" home insurance policy is rated 5 stars out of 5 by Defaqto for both buildings and contents cover. Their other products have lower Defaqto ratings, as you can see below.
|Swinton Home Insurance Defaqto Ratings (out of 5 stars)||Buildings||Contents|
|Premier Home Insurance||5 stars||5 stars|
|Classic Home Insurance||5 stars||4 stars|
|Essentials Home Insurance||4 stars||3 stars|
In terms of formal complaints with the Financial Ombudsman, Swinton received 44 new general insurance cases in the second half of 2019, down from 57 new cases in the first half of 2019.
Swinton Home Insurance Price Comparison
We found that Swinton home insurance plans are in line with or even less than market averages, depending on the plan. Those looking for cheap cover may even be able to secure a cheap home insurance quote from Swinton for under £200. To better understand how Swinton prices compare to the market we gathered pricing data. For the purposes of this exercise, we quoted for a 35-year-old policyholder living in a mortgaged, 3-bedroom property in SN11, who had made no claims in the past 5 years.
As you can see, Swinton was quite competitively priced and it frequently cheaper than the average home insurance quote.
Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the following data for educational purposes only; your quotes may reflect a large degree of variation. Additionally, insurance policies across different companies can be difficult to compare directly, as they can vary in terms of excess, cover amounts, etc.
Swinton Home (Buildings and Contents) Insurance Add-On Costs
Here are estimated costs of add-on extras for a mortgaged, owner-occupied, 2-bed property in London when you buy an Swinton buildings & contents home insurance policy. It can be useful to have an idea of the approximate cost of these optional features when you're deciding what cover to buy.
|Estimated Costs of Swinton Home Insurance Extras|
|Home Emergency Cover||£49.99|
Swinton Home Insurance Notable Exclusions
Swinton home insurance exclusions include (but are not limited to) damage to fences, gates or hedges, loss or damage if you've been away for 60 days or more (occasional visits don't count), damage by pets, subsidence due to foundation not meeting building requirements, faulty workmanship, coastal or river erosion, etc.
A few exclusions stood out to us as particularly mentionable. You may want to keep them in mind if you go with Swinton or as you're comparing different home insurance plans. It's always a good idea to read through the full list of exclusions in the policy documents as we've only mentioned some exclusions here and others may be more relevant to you.
- 1. Standard building cover doesn't include loss or damage caused by storm to fences and gates.
- 2. Contents cover doesn't include loss or damage during household removals to breakable items such as china unless packed by a professional or to high risk items like bicycles, jewellery, clocks, sculptures, musical instruments, photographic equipment, etc.
- 3. Theft of unattended bicycles is excluded unless locked in a building or locked between the frame and a fixed structure.
- 4. For policies including Personal Possessions cover, theft from a vehicle is only included if the items are concealed in a locked glove compartment, locked luggage compartment or locked boot, with the car and windows all securely locked. (max £1,000)
Swinton Buildings & Contents Insurance: What's Covered?
Swinton home insurance protects against calamities such as fire, explosion, lightning, earthquake, smoke, water freezing in pipes, theft, storm, flood, escaping water and oil, subsidence (depending on cause, etc.), falling trees, branches and radio/TV aerials, theft, etc.
|Buildings||£500,000 to Unlimited|
|Contents||£50,000 to £150,000|
|Finding the source of escaping water||£5,000||£5,000||£10,000|
|Blocked sewer pipes||x||£1,000||£1,000|
|Theft from outbuildings||x||£2,500||£5,000|
|Contents in the garden||x||£1,000||£2,500|
|Special occasion increase||x||Contents limit increased by 10%||Contents limit increased by 10%|
|Shopping in transit||x||x||£1,000|