Terrible. More than two months after waiving the excess on my claim I'm yet to receive back the £250 I'm owed. Most emails to their customer service were just ignored. Multiple phone calls have all received a different answer as to how to get back the excess. I've now had to contact the garage. Their approved garage were also very poor. They didn't properly repair the car the first time, and then tried to charge me hundreds of pounds for a new a/c compressor when I returned it. When I refused to pay, they 'magically' tightened a belt and fixed the problem ;-) Would never use swiftcover again.