Anyone used swiftcover?

frumpy101

Quentin wrote: »

They won't have taken away all your NCD.

You can only have a maximum of 5 years (irrespective of how many years in total you have since a claim).

So pending your insurer recouping any money they have paid out on your claim, your NCD will (correctly) go down to 3 years. (A month is too soon to expect this matter to be finalised - if there is no argument about the third party being liable, you could have avoided making the claim by dealing with the third party directly, when your NCD would have been unaffected).

If you want to go elsewhere, then tell them you don't want to autorenew, and ask them to send you proof of your NCD as it stands now. Then if subsequently they do get fully reimbursed and restore your NCD to the maximum you should be able to get a premium adjustment off your new insurer to reflect this.

They have dropped my no claims down to 1 year. It is written on my renewal policy.

cirrusmp

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Quentin

frumpy101 wrote: »

They have dropped my no claims down to 1 year. It is written on my renewal policy.

Although you hadn't claimed for 8 years, any claims, (if your NCD is unprotected), means your NCD reduced from the max of 5 years by 2 years per claim.

Quentin

cirrusmp wrote: »

The price was good compared to other insurers, however they do have a ridiculous £350 "new driver???!?! excess"

This is a compulsory excess, and will be on top of any voluntary excess you have taken. (So in the event of a claim, you may face a much higher excess than this £350)

This compulsory excess for young/inexperienced drivers (and all the other restrictions they have imposed on you) is the norm amongst motor insurers for drivers under 25.

cirrusmp

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jonone_2

Taking swiftcover to the ombudsman as I type this. IMHO they are a dreadful company, be very careful if you insure with them.

dacouch

Jonone, if you give some information on your problem we may be able to give some advice. It may also help other MSE members who have a similar problem when they read the situation and advice

Oldseadog

After trying to cancel the policy with Swiftcover within the 14 days - at no penalty (so it says in the 'small print') they wanted to charge me a £25 'admin fee'.

On top of this, they did not respond to phone calls, keeping me on hold for periods of between 8 and 40 minutes at 10p/min, and then being as unhelpful as possible!

After three weeks, they then said that I would lose a further 15% of the premium paid due to the policy not being cancelled within the proscribed time!

They are still sending me reminders of proof of my NCD for a policy which I cancelled both in writing and by phone within the first 14 days!

As someone said earlier, "Do not touch them with a very long bargepole!"


Send your 'waste of time invoices', (for your losses and including the cost of your time at £25-00 per hour) to the owner of Swiftcover:

Mr David Fretter
Swiftcover.com
Swift Court
Fudan Way
Stockton on Tees
TS17 6EN

Good luck!

dacouch

They are owned by Axa

Oldseadog

dacouch wrote: »

They are owned by Axa

So they've lied to me!

There's a surprise!!