Swinton Home Insurance Review and Quotes

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft?

Are you wondering if Swinton is the best home insurance company to protect your house?

You’ve come to the right place.

This ultimate and up-to-date review on Swinton home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Swinton the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Swinton's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,0 Safe overall rating for Swinton

	Safe rating	Our opinion
Customer service & satisfaction and claims		4,3/5 on Trustpilot and 5 stars by defaqto Easy to access information Detailed FAQ
Cover provided for your home		No maximum sum insured limit for building insurance and £150 000 for contents insurance Standard excess of £100 Classic and Premier levels of cover both rated 5 stars by Defaqto Students items not covered with contents insurance Unoccupancy period cover of only 30 days Only up to £30 000 for emergency accommodation (building insurance)
Value for money		Affordable rates No discount for getting combined building and contents insurance Renewal fees of £25 (+ adjustment and cancellation fees)
Financial strength		Swinton home insurance is underwritten by a large panel of selected insurers Swinton Group limited is authorized and regulated by the FCA
Technology		Customer portal available Live Chat Contact through Facebook or other social media Claim process only handled by phone

Expert and customer satisfaction reviews for Swinton home insurance

Review organisation	Swinton home insurance reviews
Defaqto expert
Trustpilot	4,3/5 based on 8,219 customers reviews
Which? Score	61% for building insurance 57% for contents insurance

Our general opinion on Swinton home insurance

Swinton is one of the UK leading insurance providers. Home insurance policies are underwritten by a large panel of selected insurers.
Essential, Classic and Premier home insurance covers are all rated 5 stars by Defaqto and the company has great customers reviews on TrustPilot which means that the claim process must be handled efficiently, although you can not report your claim online.

Except the alternative accommodation amount, the building insurance cover under the Classic plan is good. The contents policy, especially for belongings and contents in outbuildings is, however, quite poor. The Premier level of cover provides better protection for contents.

What does Swinton home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones?

Applying for home insurance at Swinton will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.

Home insurance at Swinton covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Swinton buildings and contents insurance

Swinton provides three main types of household insurance:

• Buildings insurance
• Contents and personal possessions insurance
• Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Swinton building insurance	Limits
Maximum sum insured	Unlimited
Owner liability	£2 000 000
Alternative emergency accomodation	£30 000
Period of home's unoccupancy cover	60 days
Repairs guarantee period	1 year
Trace and access	£5 000
Burst pipe	As standard
Blockage of sewer pipe	As standard
Gradual build-up of groundwater	Not covered
Subsidence	As standard
Underground services	As standard
Keys cover	Unlimited
Flood and storm damage (except for fences)	As standard (optional extras for outbuildings)

Let’s have a look now at Esure contents insurance limits:

Contents insurance	Limits
Maximum sum insured	£150 000
Owner liability	£2 000 000
Alternative emergency accomodation	£10 000
Period of home's unoccupancy cover	60 days
Damage made by pets	Not covered
Contents kept in garden	£1 000
Contents kept in outbuildings (garage included)	£150 000
Thefts from outbuildings	£2 500
Single item limit for valuables	£2 000
Items temporarily removed from home	£2 500
Money in and outside the home	Inside: £500 Outside: £500
Credit cards in and outside the home	Inside: £500 Outside: £500
Business equipment kept at home	£5 000
Student equipment	Not covered
Keys cover	Unlimited

Swinton home insurance additional cover

On top of your Swinton buildings and contents insurance, you can find additional cover such as:

	Home insurance additional cover
Accidental damage cover	Optional extra
Home emergency	Optional extra Up to £500 per call out Up to £200 for emergency accommodation
Boiler cover	Part of the home emergency optional extra Up to £500 for boiler repair Up to £250 for boiler replacement
Legal protection	Optional extra Up to £100 000 for expert lawyers fees
Personal possessions	Optional extra Personal possessions limit varies depending on the underwiter operating Up to £1000 limit for personal possessions kept in a car
Mobile cover	Part of the personal possessions cover Up to £2000 limit
Bicycle cover	Part of the personal possessions cover Limit varies depending on the underwriter

Swinton home insurance excess

The deductible you'll have to pay in case of claims are as described below:

	For both building and contents insurance
Excess for standard claims	£100
Excess for escape water claims	£250
Excess for subsidence claims	£1 000
Excess for personal possessions	£100
Excess for keys	£100

Swinton home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Swinton fees are as follows:

	Fees applied to manage your Swintonhouse policy
Interests on payment installments	17,5% - 43,61%
To renew my policy	£25
To adjust my policy	£0 / £25 by phone
To duplicate documents	£0
To cancel my policy during cooling-off period	£25
To cancel my policy outside cooling-off period	£35
For payment default	£30
To switch from one insurer to Swinton	Not covered

How much does Swinton home insurance cost?

You will below indicative quotes for building and contents insurance at Swinton:

	Building insurance	Contents insurance
Excess	£100	£100
Home cover	Building: £250 000 Contents: £20 000 Personal items: £4 000	Building: £500 000 Contents: £50 000 Personal items: £8 000
Premium	£150,93	£296,14

It is very difficult to give a precise range of how much exactly will your home insurance cost at Swinton as it will mainly depend on:

• The insurance you apply for (building, contents, combined insurance, extras)
• Your address
• Your claim record
• The insured value of your home and of your personal belongings, etc.

Swinton will establish a risk rate, taking into account all these elements, and offer you a price based on it.

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Swinton home insurance discounts available

No discount available.

How do I a claim on Swinton home insurance?

To claim at swinton, you first need to know who your underwritter is (Ageas, Allianz, Aviva, Axa, Broker Direct, Covea, Geo, Integra, LV, L&G, Modus, Ocaso, Prestige or Pen Underwriting). That is mentioned in your policy schedule. Alternatively, you can contact the claim number mentioned in the contact details section below.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

	How to claim on Swinton home insurance?
Claim by phone	Ageas - 0345 122 3019 Allianz - 0345 073 1114 Aviva - 0345 030 6945 Axa - 0330 024 6842 Broker Direct - 01204 600 346 Covea - 0330 024 2255 Geo - 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

How can I cancel Swinton house insurance?

To cancel your Swinton house insurance, here is what you need to know:

	Cancelling your home insurance at Swinton
Cancellation notice if Swinton cancel your policy	14 days
Cancellation fees	Fees during cooling-off period: £25 Fees outside cooling-off period: £35
Cancel by phone	0333 035 9280

How to contact Swinton home insurance?

Services	Phone numbers	Opening hours
Quotes	0333 035 9177	Mon - Fri: 9am – 6pm Sat: 9am – 1pm
Claims	0333 035 9002	Mon - Fri: 9am – 6pm Sat: 9am – 1pm
Existing customers	0333 035 9281	Mon - Fri: 9am – 6pm Sat: 9am – 1pm
About My Account	0333 035 9525	Mon - Fri: 9am – 6pm Sat: 9am – 1pm
24h Emergency Helpline	0333 035 9383	24/7

Swinton home insurance contact details

	Swinton contact details
Swinton address	Swinton Insurance Doncaster Branch 70/72 E Laith Gate, Doncaster DN1 1JD, UK
Customer service email	Not available
Chatbot available	Live chat is available during the following times: Monday to Friday: 9am to 6pm Saturday: 9am to 1pm

How do I get Swinton home insurance quotes?

To get a quote online at Swinton, it couldn’t be simpler.

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Swinton is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Swinton home insurance quotes, you will need to provide:

• Your personal information: ID, age, phone number and job
• Your address and postcode
• Your homeowner record (claims included)
• Your home description (type of property, the date it was built, how many square metres inside and outside)
• Your property related status: do you own it, rent it, have a mortgage on it, etc.
• Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

• Are you a first-time buyer?
• Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
• Has the property ever been damaged by flood?
• Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Swinton house insurance quote

• Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
• Increase the excess amount you are willing to pay in case you make a claim.
• Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
• Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
• Consider index-linked cover for building insurance to follow prices of building materials.