My cousin is with Swinton and she recently crashed her car. However we found something interesting out about the cover after she had the crash. Basically they don't insure you for 52 weeks, they only insure you for 50 weeks. Example I took my policy out on the 22nd of June 09 and it ends on 21st June 10 which makes sense. However if you take your policy with Swinton on 22nd June 09 it would end of 2nd June 10. Imo thats a sneaky thing to do because you always assume your insurance is for a year and not 50 weeks and 2 they don't send you a reminder to let you know your policy is up for renwal. So basically shes had this crash and wasn't actually insured on the car when it happened. She always renews when its due, shes not so dodgy pikey but Swinton basically didn't inform her of it and now a little bump has turned into a major issue. I'm sure it'll be in the small print somewhere to cover there arses but I'd hate to see anyone else get caught out by this. After all, who actually reads all the T&Cs of there insurance, or anything for that matter, lol.

If your with them I suggest you give them a tinkle and find out when your policy actually ends and not just assume your policy is for a year.

Personally I think its a disgrace. If your going to have a policy like that you should at least let people know when they take out the policy. When you take insurance for a year you expect it to be for a year, not 50 weeks.

Thats just wrong

was with swinton for my 1st year and the reason you have just pointed out is why i changed come renewal time!

As 50 weeks is not a year, do other insurance companies accept this policy as a 'years no claims'?

Or is it a very sneaky way of keeping a hold of customers in a 9 month = 1 year NCB way...

Edited 13 August, 200917 yr by Ryan.

I guess it must be a way of keeping quotes looking competitive. Interesting though...

That's ridiculous!

Complain, complain, complain.

My insurance company sends me a letter about a month before it's due to expire, and if I don't call them the next day, they phone me and also send another letter a few days later saying they haven't heard from me

Bit annoying, but at least you'd never miss the expiration date.

brentacre ftw tbh. I'm with them purely because I like the personal feel :) and also because they'll insure a 20 yr old on a 20vt polo! :)

1 more yr for 20vt then :)

Just turned 19 so 1 more year !!

Thats rate dodgy by swinton just another way for them to make money i guess

+1 for brentacre. Covered me with mods for about 300 quid less than any other companies wanted for a standard car.

Panda, how much are you paying on the 20vt if you dont mind me asking? How much ncb have you got?

i'm with brentacre too...

£1600 fully comp on a grp 16 ibiza cupra with mods... 21 with 1yr ncb an 2 big claims.

nice, I'm paying 1100 atm 3rd party on a 16v with mods. 20 with 0ncb.

oh dear, I'm with swinton..........

I'm paying 2238 on a 1.4 cl with quinn direct the joys of being 17.

I'm paying 2238 on a 1.4 cl with quinn direct the joys of being 17.

Holy karp thats alot, I'm 18 only passed a month ago and I'm paying 1700 for the same car.

Is that full tho, I'm on tpft

Edited 13 August, 200917 yr by boultwood15

If i went with Quinn Direct now they want £5000 for my mk3 polo FTL... 23yr 2NCB

Cheapest i got quoted was £290 by ecodrive or something like that.

I'm paying 2238 on a 1.4 cl with quinn direct the joys of being 17.

Nope TPFT but I can drie any car 3rd party,I get legal cover,breakdown assistance,windscreen cover.

I'm paying 2238 on a 1.4 cl with quinn direct the joys of being 17.

Nope TPFT but I can drie any car 3rd party,I get legal cover,breakdown assistance,windscreen cover.

Are you sure about that?

Posetive its on my cover note any car under something like 12 seats and I have to have the owners permission my mate has the same policy.

i used to be with quinn, i got pulled a few times in other peoples cars and the coppers were a bit confused at first but then every thing was fine, with the insurance :-)

i wish i was still with them but they wanted an extra £200 to drop my engine size and power?

i'm with brentacre too...

£1600 fully comp on a grp 16 ibiza cupra with mods... 21 with 1yr ncb an 2 big claims.

x2 16v cordoba, 205 gti 1.9, corrado etc for around 1400 a year, 19 1ncb

I envy you older people!

I'm paying £2,300 for a 1.4 16v Full Comp with Churchys.

bell ftw £887 fully comp on a bmw 318is coupe, 20 3 yrs ncb

they seem to like giving me money back when i make changes to the policy

how is that even possible mr xcore?

i was with swinton for my first year they are fcking crap lol when my renewal came up they actually had the guts to offer me a quote that was £200 more than what i had paid before

how is that even possible mr xcore?

i had to pay abit more for some, got abit refunded for others, there all around group 15, the 30 quid admin charge is apain though.

that was a list of some of my past cars lol not all at once

Edited 14 August, 200917 yr by xcore