Car owners who do not own a sports car or a luxury car assume that their car is not at risk of being stolen. But, those who think so should also understand that thieves can not only resell your vehicle, but they can sell it in parts. So, owners of normal cars do not give too much importance to insurance covers.
There are several car owners who look for cheapest car insurance schemes, preferably those which are available online. swift cover's car insurance is one among them. It is aimed at people who intend to procure cheap insurance schemes online. They try and keep their car insurance costs down, but are not always online.
Swift cover maintains a database of users to whom they are not ready to provide insurance. Most of them in this short-listed group are drivers who are under 19, or over 75 years of age. This list also includes people who are in particular employment, like debt collectors, body guards, people who deal with scrap metal, and market traders. However, swift cover does not include much information about the actual standard of cover. They are only focused at letting the users know that they offer the cheapest service possible.
With swift cover car insurance, you can manage to get a really low premium by protecting your no claim bonus. Further, to do this, you should have had no claim bonus for four years in a row, and they should not have had a claim against a protected policy for three years. Also, they do perform breakdown cover at a cost similar to that of large brands, though they do not offer an incentive to promote themselves.
Also, like other internet only insurance services, swift cover also does not provide good customer service or call centers. They focus on cutting down expenses in terms of staff to provide you with affordable policies, but that makes the after sale service something not worth mentioning about.
Another disadvantage here is that customers give more value to the after sales services that the insurance company provides on event of an accident, rather than the slightly lower cost that insurers like swift cover have to offer. This is actually one of the tactics of most insurance companies that call themselves cheap. They fail to understand that, being cheap means that they should provide the same level of service and care as the other insurance companies, at a much lower cost. But, when you pay less for a service like this, you are actually buying less for the money you give.