Anyone used swiftcover?

Chimp00100

JRHARLOW wrote: »

This has to be the worst company I've ever had the misfortune to deal with.
They never reply to any written correspondence and their phone lines are always busy.
When you do finally get through, the service ranges from seemingly helpful to absolutely inept.
The result, however, is the same.
After 3 months of being d*cked around and still no resolution , I've had enough.
No wonder their quotes are so cheap. They'll take your money, and then, when it's time to make a claim, they'll leave you twisting in the wind.
You'll rue the day you ever made a claim with these guys.
Stay clear of them.
Their slogan is "Click Click, don't Cluck Cluck"
It should be more like "Click Click, and f*ck off". :mad:

I agree with every single word & sentiment in this post, I bought a new car and had no trouble at all transferring my insurance to the new car, then some idiot tried to take off it and my claim started, two months in and we are going to the financial services ombudsman.:mad::mad::mad:

pgiffo

Right... I am LIVID here. Just reduced my policy level to third part, fire & theft from fully comprehensive after settling a direct debit issue by card. I spoke to an Andy there who advised me that the policy could be reduced to TPFT but there was fee of £20.00 for them to do it (rather than on line). BUT, there was a also a credit back of £15.34. I agreed to this as need to reduce our costs (being on pension these days) is getting more and more critical as weeks go by.... good old climate eh??

So, having agreed to the charge (£20.00 - £15.34 rebate) and asking a direct question that this would be adjusted on next payment due (20th October) I was a little bit concerned when Andy asked me to confirm the card details the direct debit was being used against. I questioned why he needed these details again he stated that he could not access the details as Lisa (in their accounts) was still processing the card payment. He also asked for the last three digits etc... again... I asked him to assure me that NO PAYMENT WOULD BE TAKEN for this change on the card and asked was it just for their internal records. He responded that no payment would be taken and yes it was for internal use.

Surprise, surprise..... with ten minutes, our account was £20.00 lighter!!!

I have 'phoned and am awaiting a 'manager' to get back to me after listening to the recording of the conversation between Andy there and myself earlier today. I have also emailed them on their site.... awaiting response. Tried to stop the payment at the bank but to no avail.

My next step will be to give this information to the FSA for them to take up the cudgels.....

I was given a downright lie by Andy there and the lady I spoke to when I rang back was less than sympathetic bordering old cold business like rudeness.... we'll see if they do contact me but I will not let this rest. Bordering on fraud really.......... you expect to trust these companies and the word of their employees, don't you? I smelt a bit of a rat when the cards three digits were asked for but the explanation he gave me as well a the assurance he gave me were taken on face value.

Anyone else had similar issues???

To be honest, they are not that cheap either..... I went to them for a quick on-line policy (having had company vehicle for decades) and have not changed but, now looking around a bit further, I can get from Barclays Bank a policy almost 50% less.....

Disgusting behaviour there at Swiftcover.............

Lanchester

For the good of your blood presure and bank balance, do not use swiftcover.

I have been with them for some years, only now needing to make a car insurance claim.

My experience has been:

- That they have refused authorisation for works to replace a faulty reverse sensor on my car, even though this was a consequence of an accident for which I was insured by them and for which I had paid an excess, and this fault was identified by a company for whom they had given authorisation to look at the fault.

- They did not keep me informed as to refusal, or the reasons for refusal (I found out third hand that they had refused this)

- That when I rang to ak what the hell was going on I was left on hold for 30 minutes while they tried and failed to make contact with the garage liaison team, with no response.

- That emails they sent internally to ask that someone got back to me were left ignored.

- That their nominated garage - CF Motoring - were incompetent, as evidenced by the fact that they didnt diagnose the problem, ordered the wrong parts, took far longer than predicted, returned the car to me without completing repairs, and until I got a specialist opinion, refused to accept that there was anything wrong with the car.


- That they failed to take seriously my complaints about the performance of CF Motoring

Financial Ombudsman here we come!!

sane01

I have also used them and basically I think their staff are not trained properly.

I had to phone them regarding a claim (a rat got into my car) there was no visible damage but it got in under the dash so they wrote it off.

It took a long, long, long time for them to settle the claim but they did after many many long phone calls. I got another car which lasted 1 year (postie came down my drive and hit my car and guess what wrote my car off again) this time I was with Prudential - They were brilliant.

So big thumbs down for Swiftcover, the rat and the postie but Big thumbs up for Prudential.

Robert_Roberston

I had a minor accident (at fault) and after the shock of last week (ill explain) I understand that I'm at fault and the repair is the repair.

I informed insurer last 11th Dec that I'd run into someone, we exchanged details, she wouldnt move the car for pictures but I was at fault, she drove off and said her neck hurt.. Didnt think it was a major bump really so thought nothing of it.

Had a chat with the claims team on the 15th and he said they'd not heard anything and they'd be in touch.

Renewal came through last week (£1800!) up from £900, and the claim was open on my swiftspace so I thought it was just the details I'd given them, call centre agreed and said they'd put me through to claims to have it closed off to re-generate a new premium.

He comes on the line £680 he says, I say what? Oh yes we paid this out in May, £680 for a new bumper and respray, she also put a car in for 7 days on hire but we are disputing that, hence why we haven't been in touch, she repaired the car on 16th December....

The air nearly went blue, he gave me a load of flannel that they were battling over the courtesy car as they thought a week for a hire was pushing it as the car was driveable and it's a days worth of work at best, hence the claim was still open with nothing against it.

I asked him what happened to the communication I was promised? I have to find a deposit in 3 weeks now as opposed to putting aside a bit a month for 9 months or whatever it would have been had I known she'd claimed and I'd have to move since I lost my NCB.

Nothing, oh we are stil debating the hire car..... Jokers, left me with a right hole to cover now, why dont they get in touch and let you know what's going on as they promise?

If it gets to renewal time and the claims still open, could you claim another year no claims as the claim hasn't been closed and settled?

He also said that even though we've accrued 11 months no claims, it counts for nothing as tey are still battling over the claim, we've accrued 0 NCB as the claims still open (due to them).

Quentin

Robert_Roberston wrote: »

get in touch and let you know what's going on as they promise?

If it gets to renewal time and the claims still open, could you claim another year no claims as the claim hasn't been closed and settled?

He also said that even though we've accrued 11 months no claims, it counts for nothing as tey are still battling over the claim, we've accrued 0 NCB as the claims still open (due to them).

The "battle" is over the size of the claim, not the claim itself. (ie irrespective of how much they end up paying out, this is a fault claim against you, and you won't be getting any NCD for the policy year, and will lose 2 years from any NCD you had at the start of the policy year).

harryhound

The problem is that the claims industry can now bypass the individual and go direct to the insurance company.
There is no longer an opportunity for the two drivers to "be reasonable" - It is a bit like employing a divorce lawyer the day you have a tiff with your partner.
Swift cover take the attitude that there is an open claim, so your NCB is effected.
Think yourself lucky that they are not a soft touch - phew sounds to me like that sore neck should be worth 10K.

sillygoose

We will not be renewing with Swift cover when this year is up.. Swift? thats the biggest joke of all. Shocking going back through this thread, seems they have always been, and still are terrible.

One of out cars was lightly damaged, no question of fault, it was parked up and the other party admitted it. We were 'harassed' into using their repairer for every reason under the sun, especially as payment would be quicker as apparently the billing information would be sent through to them from the repairer directly. Lies.. it never did.

Car was actually repaired OK but trying to get the money back? OMG I am just glad it wasn't a write-off as they couldn't even pay up for a small repair. Basic problem is that claim processing is farmed out to a 3rd party agent who's email handling is a shambles. My advice is don't bother, send things by post recorded delivery. Months after the repair and chasing up several times a week, an entire encyclopedia of excuses we finally got our small claim paid out. This is moneysaving, but sometimes too cheap is just not worth it.

xland_2

Cheers for all the info, just looked at a comparison website and was attracted by the £200 saving ill be staying with Esure who have been excellent although a little dearer :-)

adamc260

xland wrote: »

Cheers for all the info, just looked at a comparison website and was attracted by the £200 saving ill be staying with Esure who have been excellent although a little dearer :-)

It's true what they say, you pay for what you get.. It shouldnt be the case that just because one insurer is cheaper you get bad service.. but seems in the insurance world that defo is the case!