Online
Log in to the My Account section of the Swiftcover website to view your policy documents and make changes.
These online portals are available 24/7.
Swiftcover car insurance
Compare Swiftcover car insurance quotes.
Complete a purchase and earn a £15 reward with super save club logo
How good is Swiftcover car insurance?
Swiftcover is known for its digital-first approach, offering online-only policies designed to keep costs down. It offers an essential car insurance package and a premium Plus package that adds extra levels of cover.
Swiftcover's Plus policy holds a Defaqto rating of 5 stars, reflecting the level of cover included in its policies, while its Essential policy holds a rating of 2 stars. Additionally, Swiftcover is rated 4.6 stars on Trustpilot, showing that its customers are happy with the level of service they receive.
What is the Defaqto rating for Swiftcover car insurance?
Defaqto is a leading independent reviewer of financial products. Swiftcover's highest-tier Plus car insurance policy received the maximum five-star Defaqto rating for features and benefits, while its standard policy is rated two stars.
Swiftcover Car Insurance
⭐⭐^
Swiftcover Plus Car Insurance
⭐⭐⭐⭐⭐^
What will a Swiftcover comprehensive car insurance policy cover me for?
If you choose a fully comprehensive Swiftcover car insurance policy (standard or plus) the following is included:
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Driving Abroad
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Lifetime guarantee on approved repairs
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Audio and Sat-Nav Cover
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Injury to other people
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Damage to other people's cars and property
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Theft and Fire Cover
How much do Swiftcover car insurance policies cost?
These are the average prices of Swiftcover car insurance policies across a wide range of drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors, so could differ significantly
Swiftcover
£501^
Comprehensive
Swiftcover plus
£415^
Comprehensive
Swiftcover
£447^
Third party fire and theft
What is included in Swiftcover Plus?
Swiftcover offers Swiftcover Plus as an upgraded option to its standard policy, with additional cover built in. Swiftcover Plus typically includes:
Onward travel promise
Stolen key cover
Wrong fuel cover
As a digital-first insurer, these features are managed primarily online.
Is Swiftcover Plus worth it?
Swiftcover Plus may be worth it if you want a more comprehensive level of cover without needing to select multiple add-ons, or if you value the convenience of having key features included upfront.
It can be particularly useful if you rely on your car regularly or want extra reassurance around lost keys, misfuelling, and replacement transport.
However, if you’re looking for the lowest possible premium and are comfortable with more limited cover, the standard policy may be sufficient. It's worth noting that Swiftcover offers extra coverage in the way of add-ons available for both standard and plus policies.
Is Swiftcover the best company to insure my car with?
Which provider is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of Swiftcover car insurance to help you make your decision:
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Pros of Swiftcover car insurance
Built around online policy management, ideal for people who prefer digital
Swiftcover Plus includes a courtesy car as standard
Swiftcover has an Excellent Trustpilot score of 4.6 from around 16,000 reviews
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Cons of Swiftcover car insurance
May be less appealing if you’d rather deal with an insurer by phone or in person
Several features including personal accident, breakdown, and legal cover cost extra
How does Swiftcover car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. All providers also offer higher-tier options, which will include more features for an extra cost.
Swiftcover Plus | Hastings Direct Premier | Admiral Platinum | esure | |
|---|---|---|---|---|
Price | £415^ | £440^ | £1018^ | £506^ |
Defaqto rating | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating^ | 77%^ | 71% | 74%^ | 77%^ |
Claims payout rate | N/A | N/A | 98.9 | N/A |
Uninsured driver promise^ included? | Yes | Yes | Yes | Yes |
Courtesy car included? | Yes | Yes | Yes | Yes |
Administration fees^ | £25 by phone, free online | £35 | £15 | Agent assisted £27, online £15 |
Further information |
Price data from MoneySuperMarket. Other data from provider website and correct as of March 2026.
Is the Swiftcover a good car insurer for young drivers?
Swiftcover is a digital-first insurer that can appeal to younger drivers comfortable managing their policy online. Its online-only approach may help keep costs down, although it’s not always the cheapest option for new drivers.
While Swiftcover does not offer individual temporary car insurance policies, you can add a temporary driver to an existing policy. However, Swiftcover does not currently offer telematics or learner driver cover. Our research shows that on average, the lowest-cost policies for drivers who have held their licence for less than a year were from Carole Nash
How do I contact Swiftcover?
💡 Top tip: If you bought your Swiftcover car insurance through MoneySuperMarket, you can see your policy information on our website. Just sign in and click on your dashboard.
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By phone
RAC Customer Services: 0330 159 1031
RAC renewals: 0330 159 1031These phone services are not available if you have an Online policy. You must use live chat agents.
How do I make a claim with Swiftcover?
If you need to make a claim on your Swiftcover car insurance policy, contact the Swiftcover as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), information about any other drivers or vehicles involved and photos or evidence.
Swiftcover claims line:
0371 984 3333
Claims lines are open 24/7, and are available even if you have an Online Car Insurance policy.
Can I cancel my Swiftcover car insurance and switch providers?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You will need to cancel your car insurance with Swiftcover directly. You cannot cancel via MoneySuperMarket.
You can cancel your Swiftcover car insurance by phone or post.
Can I cancel my Swiftcover car insurance at any time?
Yes, you can cancel your Swiftcover car insurance at any time, but your refund will be reduced by fees and the time you’ve been covered if your policy has already started.
Does the Swiftcover charge fees for cancelling car insurance?
Yes, Swiftcover charges cancellation fees. The amount varies depending on when you cancel:
Prior to the policy auto-renewing: No charge
Within the first 14 days of the policy starting: No charge
More than 14 days after the policy starts: £52.50 admin fee
You will also need to pay for all the days you were covered for.
Can I get a refund for extras I've added to my Swiftcover car insurance?
No, any payments for add-ons such as breakdown cover are non-refundable.
What other insurance does Swiftcover sell?
Is it cheaper to buy Swiftcover car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as RAC compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare RAC policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my Swiftcover car insurance policy?
If you bought your Swiftcover car insurance through MoneySuperMarket, you can find your policy information by logging into our website or app. Your active policies will be shown on your dashboard.
Alternatively, you can find your Swiftcover car insurance policy on the Swiftcover customer portal by logging into your account.
Will I be charged if I make a change to my Swiftcover car insurance?
Yes, Swiftcover charges a £25 administration fee for changes you make to your car insurance, such as changing your address or adding extra drivers. However there is no fee for making changes via your online account. Your premium may also go up or down depending on the change.
Can I add other drivers to my Swiftcover car insurance policy?
Yes, you can add named drivers to your Swiftcover car insurance. To add a driver to your Swiftcover car insurance policy, log into your online Swift Space account and go to the policy overview page.
Adding extra drivers to your Swiftcover car insurance may increase or decrease your car insurance premium, depending on their risk profile. MoneySuperMarket data found that adding a young driver (under 25) to any car insurance policy increased premiums by £768.94
Does Swiftcover car insurance include breakdown cover?
Swiftcover offers breakdown cover as an optional extra you can take out on all available car insurance policies as an optional extra, though it isn't included as standard on any policy.
How do I renew my Swiftcover car insurance policy?
Most Swiftcover car insurance policies will be set up for auto-renewal. This means that after your existing contract ends Swiftcover will start a new one for you using the payment details they have on file. No action is required from you and there will be no break in your car insurance cover.
Auto-renewal does not mean you will get the same cover at the same price as you had before. Swiftcover must contact you in advance of your policy renewing to inform you of any price or policy changes. If you don't want your Swiftcover cover to auto-renew, you need to inform Swiftcover before your policy end date. You can do this through your Swiftcover account.
Before letting your Swiftcover policy auto-renew, it's worth comparing car insurance quotes to see if you could get a better deal elsewhere. Shopping around can help ensure you’re not paying more than necessary, as renewal prices aren’t always the most competitive.
Can I pay my Swiftcover car insurance in monthly instalments?
Yes, you can pay for your Swiftcover car insurance policy via monthly Direct Debits. This is usually more expensive than paying one annual lump sum, because car insurers add interest onto monthly payments.
What is Swiftcover?
Swiftcover is a UK-based insurer known for its digital-first approach, with policies managed primarily online.
It offers car insurance as well as other products like home and travel insurance, and is part of the wider AXA Group.
Who underwrites Swiftcover insurance?
Swiftcover car insurance is underwritten by AXA Insurance UK plc.
This means AXA is responsible for assessing risk and paying out claims, while Swiftcover operates as the brand through which the policy is sold.
Your policy documents will confirm the underwriter for your specific policy.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 5 May 2026 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
Based on the 10th percentile of comprehensive car insurance policies sold through MoneySuperMarket in the month of March 2026.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Source: Which?, 2026, Will your car insurer let you down when it matters most?,
Source: Which?, 2026, Will your car insurer let you down when it matters most?, https://www.which.co.uk/news/article/will-your-car-insurer-let-you-down-when-it-matters-most-azKzL9m9ippy
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through churchill on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through marmalade essentials on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Defaqto is a leading independent reviewer of financial products. Two stars is for 'A product offering fewer than average features and benefits benefits'.
Individual insurance products from Swiftcover may have different ratings. Data from the Defaqto website. Data from April 2026.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'An excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Swiftcover may have different ratings. Data from the Defaqto website. Data from April 2026.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in March 2026.
