I was very disappointed in Swinton as I was led to believe that my car insurance was going to be with Swinton but actually it turned out once I set it up to be with AXA. Swinton just act as a broker. Anyway, never again and I would not recommend this company for car insurance. The charges are ridiculous, any changes you make to your policy during the time of your policy have a high fee applied, this then increases the insurance premium over the period of the agreement. What started off as a £16 premium ended up costing £28 per month because I change my cover to include personal business. The staff I dealt with were unhelpful and were not supportive to the customer. All my documentation was online which I also didn't like.