THE WORST INSURANCE COMPANY

I have have been driving for about 16 years, So have dealt with all the major insurance companies in the past. And have always tried to get the best quote.

I am writing this letter for anyone thinking of using Swinton car insurance. Please please I beg you do your homework and research into them before you regret it.


After searching online for the cheapest quote although Swinton were not the cheapest they looked professional.. I thought that they cant be that bad as i had never heard of the cheaper companies . Swinton at least have shops etc. I read quite a lot of negative reviews about them but put them off and thought maybe it was the individuals own mistake or something, VERY SILLY OF ME..

So after finding the quote I changed with them and had the insurance for about 7 Months, I then sold one of my cars and transferred the policy to another car that I had. I got an obvious premium refund due to the later car being older and cheaper. and now my monthly premium had dropped from £80 to £50 per month.. All good so far. I had a 4 years ncd before I joined swinton..so the price was according to that..

However a few weeks later I decided to purchase another car, so bought it online on ebay by winning the auction. And so rang them up on the 20/05/2015 to tell them I had bought the car and needed the insurance on it as will be collecting it on the 21/05/2015.

They asked for £100 deposit, which in all my years of dealing with insurance companies none of them have ever asked me when I changed a car. Strange at the very least. And on top of that I was told my premium would now be £150 for the following months that I still had for the policy.

I thought it was a high price..but to be honest I had been with them for 7 months so it did not make sense for me to cancel it as a few more months and I would have another years no claims bonus.


However when I actually went to pick up the car, the car had problems and the seller didnt have any paperwork, so I didnt go ahead with purchase, returned home, and called them the next day 22/05/2015 (which is today and im fumming......))

to let them know and told them just to keep the original insurance that was for £50 per month on my older car.

However PLEASE take note of what I will tell you now.....as it will really save you the headache of dealing with this rip off company..

they said for them to do so they will now have to charge me £120 per month.. as now the insurance has been changed.and insurance changes on a daily basis! So From £50 per month to £120 per month and dont forget that deposit of a £100. which they said is included in the new price...

So from having 5 payments of £50 that would be a total remaining of about £250

Theses clowns now were charging me £100 deposit.. and 5 payments of £120 ... so thats £700

A WHOPPING £450 PRICE INCREASE IN ONE DAY.


It took me a while to recover from this blatant attempt to rip me off......

I told them how can they possibly justify charging over twice the amount that I was paying one day ago.... and in any case anyone having insurance has a cooling period right.... 15 days..I called them 1 day later telling them I didnt go ahead with the new car purchase.. and just needed to keep original insurance on my other car. which was £50 per month.. NOT ROCKET SCIENCE ..well not to most car insurance companies who will simply transfer it offer with a worst case £20 od quid admin charge which is reasonable I guess.

But not according to swinton...

They refused to do so, I called a few times and kept on getting different figures that did not even make sense from call centre staff who clearly are only trained to exploit customers for profit rather than doing whats right or fair.

I got so annoyed I thought stuff the 7 months NCD the simple fact that they tried to rip me off in such a manner that defies logic was the last straw for me.. So I cancelled with them..


But the funniest thing is when I searched online with the comparison sites I found a quote of £700 for the whole year 12 months for newer car that I was going to purchase but didnt.. When in fact Swinton would have charged me £150 per month and and not forgetting the £100 deposit which they took from. works out to be £850 for the 5 months I had left with them,, So they were trying to charge me for 5 months insurance when I could get it for the whole year....But the real icing on the cake is it was from the same underwriter they where using for my insurance..
SO Swinton explain????????? Cant lie and worm your way out of that one can you...

If anyone needs to hear the recording which I happily made to expose these guys please contact me and I will be happy to share to prevent anyone else being ripped of in such a blatant manner.


SO PEOPLE BE WARNED

I WOULD NOT TAKE HAVE TAKEN THE TIME TO SIT HERE AND RIGHT THIS UNLESS THESES SHARKS HAD NOT TRIED TO RIP ME OF IN SUCH BLATANT MANNER.

They are brokers they use PIGGY BACK of insurance companies that can actually insure you direct. Swinton however end up charging you double... Please check the comparison sites for your self.

Normal companies let you just change the car over easily when you change your vehicle but not these... If you use them and go to change your car then please go on the comparison sites and you will see for your self how they will blatantly rip you up.