Swift Cover are nothing but charlotens, might as well run round with a swag bag collecting money from people but when it comes to a claim they are not interested.
Sept 08, car driven by my girlfriend hit a gatepost and suffered damage to passenger door and rear 1/4 panel, her fault - no issues.
Told swift cover and they sent assessor to look at car and said it needed new dooe and pannel - fine. they wanted me then to drive 38 miles in the car to take it to their 'approved' garage. I said no, if you want it going to that garage you will have to collect as I am far to busy to be driving that distance... after a week of irrate discussions the car, Audi A3, was sent to Williams BMW! hmmm!
The car as estimated by BMW would take between 4 and 5 days, ok fine, no courtosy car but we'll have to manage as it was her fault!
5 Weeks, £110 phone bill and around 15 arguments with BMW and Swift I finally manage to have my car back, BMW said it was swift, swift say it was BMW, the gent in the BMW dealership showed me the emails from swift that put the ball clearly in their court yet no action taken! The car had been damaged down the side and had in turn knocked the wheel, BMW put the wheel on a machine that said the alighment was out but 4 mm, this according to BMW protocol is deemed unsafe and requested auth from Swift for a new wheen and tyre... a week later swift still refusing a new wheel and insisted it be refurbed!!! Tools, absolute tools. Only when thretened with solicitors letter did they authorise!
30 march 2009, car stolen with keys from drive way.
1st snotty cow we spoke to basically said that because of postcode they look at fraud closely when dealing with certain policies! Cheeky ###! I had police, forensics in the house and she was trying to say because of the area I live in there is a higher likelyhood i was making a fraudulent claim!
They send an email 16/04/09 saying that police are being unhelpful and obstructive ( they called once 11 days earlier and did not get a response, currently being taken up with swift by Detective Cheif Inspector of regional police for comments made!) and said that they have closed the case and valuer will be in touch shortly.
Friday 17/04/09 - go out, spend £10500 on a new car on strength of above email and what do you know, get a call off the police no more than 20 mins after buying the car - they have found the stolen 1!!! Bugger!
Now refusing all liability to the email... shock surprise!
Car has according to garage, £6392.20 damage, their internal assessor has gone thru the list and dissallowed items bringing the cost down to £4700, they want to repair it.
Included in his dissalloed expenses was a theft check, allowing a mechanic an hr to go over the engine to ensure that in the 3 weeks it was stolen and covered 600 miles hit various kurbs and damaged wheels and now need new front bumper as they hit something else also... he was not interested in the mechanics giving me no security as to the mechanics! ould be a bag of niles inside now, that's why the cheeky theiving bast**ds abandond it!
Anyway... the above is the tip of the iceberg...if you ever have to claim via these people be aware there are more departments than there are people and be prepared to be passed almost imediately between them with pretty much no warning!
Marks out of 10 for service ... minus something... I aint managed to count that far back yet! Avoid like the plague! I would almost go as far as saying choose the next most expensive insurer and I will pay the difference for you! Waste of time, effort and space!