Does anybody use Swiftcover Insurance?

[HoHoHo]

Hopefully moving back to 911 territory shortly and I've just had a quote from Swiftcover:

2007 C2S
Value approx £42k
8k miles per year
Protected no claims
Personal accident cover
Driving abroad
Legal protection
windscreen cover etc.

£500 Excess + £500 compulsory excess

All of the above @ £306.75

I'm 47 with 3 points for speeding, live in West Sussex and this is by far the best I have had so far - so good I can't be sure if I buy they'll honour it!

Anybody else use them and is their cover as good as it appears?

[xftdr]

That doesn't sound right to me at all..... 2 Good 2 be true?

[Deanos CaymanS]

Not on my car but the wife has them for her X3 3.0sd - it was easily the cheapest quote. She had a claim with them last year on a 50:50 liability roundabout incident and they sorted repairs at our nominated centre and a hire car (not a very good one) and we got 50% of the excess back pretty quickly. Accident was 6 days before we were due to use the car to drive to France and we got the car back in time with no hassle.
Admitedly only one experience, but a good one when it needed to be.

[Fat Albert]

They are owned by Axa so not a small company, my Wife insured her 535 DM with them after Zurich demanded a 5-fold increase when she switched from her 730D

[HoHoHo]

Well I've just bought a car so they had better be OK!

[996ttalot]

Some nice lady decided last year to turn right, into a lorry that was doing 40mph. She didn't see it FFS. Her car was a write off, the lorry as well, and her car flung back into my car which was stationery at the time from the impact. Her insurers were Swiftcover.

Based on the fact that it was no fault (which actually took 3 weeks for Swiftcover to admit after she tried to tell them that I drove into the back of her - photos that I took proved that to be impossible) on the damage to my car, all I can say is that even when they admitted no fault, it then took ages for them to agree repairs and so on.

I won't refer to the name that some people call them but it still starts with S, has 4 letters and still ends with "cover".

I wouldn't be insuring my P&J with them.

[HoHoHo]

Hmmm.

Some interesting comments - all appreciated.

[Deanos CaymanS]

996ttalot said:

Based on the fact that it was no fault (which actually took 3 weeks for Swiftcover to admit after she tried to tell them that I drove into the back of her - photos that I took proved that to be impossible) on the damage to my car, all I can say is that even when they admitted no fault, it then took ages for them to agree repairs and so on.

Sorry to hear about your experience but just to look at this from another point of view - it was not really in the interests of her insurers to add more parties to the claim and increase their costs given that you had no contract with them. I am not defending them but this approach would probably be the same with most insurers (or am I doing them a disservice?).
My experience suggests a different approach when you are the insured party and therefore their customer.

[Pickled Piper]

No experience claiming but used them for the wife's hatchback for a few years.

pp

[SAG6Y]

I just had some work done on my Porsche last week at a Porsche approved repairer.

He said to me Swiftcover, shiela's wheels and esure are the only companies where you have to use oneo f their repairers should the worst happen. They will not authorise work to be carried out at a Porsche approved centre. Just food for thought.....

[Ian_UK1]

HoHoHo said:

Hopefully moving back to 911 territory shortly and I've just had a quote from Swiftcover:

2007 C2S
Value approx £42k
8k miles per year
Protected no claims
Personal accident cover
Driving abroad
Legal protection
windscreen cover etc.

£500 Excess + £500 compulsory excess

All of the above @ £306.75

I'm 47 with 3 points for speeding, live in West Sussex and this is by far the best I have had so far - so good I can't be sure if I buy they'll honour it!

Anybody else use them and is their cover as good as it appears?

I just went to their web site to get a comparison quote - compared to Direct Line who I'm with at the moment, Swiftcover were £500 per year cheaper (£700 vs. £1200 in round figures) for the same cover (comp, £1000 excess total, protected NCB, no add-ins). Aged 50, 997S.2, South Manchester, car kept on roadside (as I'm skint and don't have a driveway)!

Will definitely consider them in a couple of months when my insurance is up for renewal

[jimmy p]

My wife had them 5 years ago and had a very bad experiance when trying to make a claim. It wasnt her fault but it took 2 years for it to be resolved. In the two years they never contacted us or returned any of our calls. They save money on call centre staff as its all on-line but this doesnt help when making a claim. It was eventually sorted and all money paid up and no claims in tact but that was after 2 years of increased premiums.
I would not use them again but they definitely are cheap- but at what cost???
However never had to make any other claims so not sure if any other insurance company would be better but surely they could not be worse????

[Deanos CaymanS]

SAG6Y said:

He said to me Swiftcover, shiela's wheels and esure are the only companies where you have to use one of their repairers should the worst happen

They tried to tell me this with my wife's claim to put me off using the BMW approved repairer I wanted to use. I didn't agree and after a couple of phone calls the car was repaired at my choice of repairer at their cost. I'm sure the repairer and insurer had some interesting conversations on rate cards but I wasn't involved.

[thegoose]

Deanos CaymanS said:

SAG6Y said:

He said to me Swiftcover, shiela's wheels and esure are the only companies where you have to use one of their repairers should the worst happen

They tried to tell me this with my wife's claim to put me off using the BMW approved repairer I wanted to use. I didn't agree and after a couple of phone calls the car was repaired at my choice of repairer at their cost. I'm sure the repairer and insurer had some interesting conversations on rate cards but I wasn't involved.

The insured, i.e. you, can always decide where your car is repaired, whoever it's insured with. Many insurers will only give loan cars if it's sent to one of their centres but if the accident wasn't your fault you can hire something and claim for it.

[J-P]

SAG6Y said:

I just had some work done on my Porsche last week at a Porsche approved repairer.

He said to me Swiftcover, shiela's wheels and esure are the only companies where you have to use oneo f their repairers should the worst happen. They will not authorise work to be carried out at a Porsche approved centre. Just food for thought.....

Hi Saggy, what happened to your P&J?

[Spitfire2]

996ttalot said:

Some nice lady decided last year to turn right, into a lorry that was doing 40mph. She didn't see it FFS. Her car was a write off, the lorry as well, and her car flung back into my car which was stationery at the time from the impact. Her insurers were Swiftcover.

Based on the fact that it was no fault (which actually took 3 weeks for Swiftcover to admit after she tried to tell them that I drove into the back of her - photos that I took proved that to be impossible) on the damage to my car, all I can say is that even when they admitted no fault, it then took ages for them to agree repairs and so on.

I won't refer to the name that some people call them but it still starts with S, has 4 letters and still ends with "cover".

I wouldn't be insuring my P&J with them.

Confused by this - why were your insurers not handling the repairs and claiming their costs from Swiftcover? In the few claim situations I've had all were 100% fault of other party and that's how it always has worked in my experiences.

[Mike Rob]

http://www.reviewcentre.com/reviews-all-92494.html...

Some have also said that second hand parts were used on their vehicle repairs.

[Manks]

HoHoHo said:

Hopefully moving back to 911 territory shortly and I've just had a quote from Swiftcover:

2007 C2S
Value approx £42k
8k miles per year
Protected no claims
Personal accident cover
Driving abroad
Legal protection
windscreen cover etc.

£500 Excess + £500 compulsory excess

All of the above @ £306.75

I'm 47 with 3 points for speeding, live in West Sussex and this is by far the best I have had so far - so good I can't be sure if I buy they'll honour it!

Anybody else use them and is their cover as good as it appears?

You will have to have a tracker - if you have Porsche warranty you will have to have Porsche's own tracker £££.

Swiftcover can also be challenging to deal with (have had a few vehicles with them and still have a couple on risk with them).

[996ttalot]

Spitfire2 said:

996ttalot said:

Some nice lady decided last year to turn right, into a lorry that was doing 40mph. She didn't see it FFS. Her car was a write off, the lorry as well, and her car flung back into my car which was stationery at the time from the impact. Her insurers were Swiftcover.

Based on the fact that it was no fault (which actually took 3 weeks for Swiftcover to admit after she tried to tell them that I drove into the back of her - photos that I took proved that to be impossible) on the damage to my car, all I can say is that even when they admitted no fault, it then took ages for them to agree repairs and so on.

I won't refer to the name that some people call them but it still starts with S, has 4 letters and still ends with "cover".

I wouldn't be insuring my P&J with them.

Confused by this - why were your insurers not handling the repairs and claiming their costs from Swiftcover? In the few claim situations I've had all were 100% fault of other party and that's how it always has worked in my experiences.

Because I chose to use Europa Consultants to handle it, who were excellent btw, and had a Porsche hire for the entire period the car was off the road. Wouldn't have normally, but the woman was so stupid and personally why should I be without a car, or have to go through my insurers etc. I did discuss it with my insurers and they had no issue on my approach.

[apriliaR]

I had a major no fault accident in 2006 and I was seriously injured. My car was written off. I was insured with swift cover and with their legal cover too. They were brilliant. Efficient and friendly. They dealt with things quickly, mostly by email but were available to call if required. I would definitely recommend them.