My 80 year old mother in law had a buildings and contents policy with Swift for several years. In February she went into a care home suffering from severe dementia. Swift would not cover her unoccupied policy for buildings only insurance so we took out a policy elsewhere whilst her bungalow was for sale. Rather than cancel the policy with a short time to run we wrote and told them she would not be renewing (and why) and cancelled the direct debit once the final premium for that year had been paid. Unfortunately they would only speak to the policy holder before they would cancel the policy, even at renewal and although they wouldn't insure an empty property anyway. They are now pursuing her for money to renew the policy and threatening her with court action. Mercifully she is completely oblivious to all this. What ever happened to common sense! Employees of Swift seem to of had theirs removed on their first day.