swift cover car insurance

Pocket_the_lot

Lily1 wrote: »

My son was with them last year and had his windscreen repaired. They told him this was counted as a claim.

Normally if it is a chip that needs repairing to prevent further cracking then it should not impact on the NCD. If the window was broken then you would pay via the exsess. This claim business seems to be another dodge that can be utilised even though the incident may not have cost the insurer anything.

When I asked another company why vandlism that also did not cost the company anything would impact on the premium they said that it reflects the risk. Its a bit like being made to pay double for your funeral in case you die.

Pocket_the_lot

johnson293 wrote: »

I had a similar thing with them when I was leaving them to join Esure.

When I joined Swift, I had to give prove of my no-claims, which at the time was 9 years.

In my quote with esure, I stated I had 11 years NCD, which they wanted proof of. So went onto the Swift website which stated I had 5 years no claims.

When I queried this with Swift, they said that they only recognised up to 5 years NCD, same as many other insurance companies, but once my policy had expired, they would issue a letter stating my full 11 years NCD.

Esure needed this before my policy expired, so I sent them my NCD proof from my insurer before Swift, which showed 9 years, along with a copy of the email from Swift explaining the 5 years thing, and their intention to send me a letter proving my 11 years.

Everything worked out though, eventually.

There needs to be a continuous/linear record of a persons driving history that can be made available to the Insurance industry. This data protection thing seems to be a bit of a nonsense which I am convinced was mainly designed to protect the guilty in big business. The DVLA will sell our details to anybody who is willing to pay, it seems.

Pocket_the_lot

PeenleWeenle wrote: »

Swiftcover say that most insurers should accept that 5 years no claims is the maximum that a person can accrue. This is clearly not true!! Axa (of which Swiftcover is part) will give no claims discount to drivers with 8 years or more no claims!!!! It can't be that difficult to just add up the years that a person has not claimed in!

I would not use them again.

I find this to be interesting because AXA was on my shortlist because it had been mentioned on the news that AXA had decided not to be involved in referal fees which is one of the money making scams that is costing us all dearly in our increased premiums. Funny how an associated company can be involved in this NCD anomaly that seems to be common place amongst insurers.