Swipe Insurance Reviews 

I am writing to express my profound disgust and outright contempt for the abhorrent, soul-destroying claims process I have endured after purchasing a new iPhone that I had dutifully insured with your company for over a year, paying premiums without fail.
What should have been a straightforward claim has been transformed into a grotesque, Kafkaesque nightmare of bureaucratic sadism. Your claims department appears to derive perverse pleasure from tormenting honest customers, demanding an ever-expanding avalanche of meaningless documentation while deliberately ignoring everything already submitted. Despite providing every single document requested — multiple times — your staff continue to circle back with the same imbecilic demands, as if illiterate or intentionally malicious.

Let me list, for the public record, the insulting and utterly degrading hoops you force paying customers to jump through:
Proof of ID (apparently once is never enough)
“Dual validation” proof of ID (whatever meaningless jargon that is)
Utility bills to “prove” an address everyone already knows
Original invoice (which you then reject if it dares come from the network provider)
Bank statements and credit-card statements showing payment
Multiple photographs of the original box like some forensic crime scene
iCloud screenshots proving the device exists in my account
A full confession of every other insurance policy I’ve ever had in my life, as if I’m applying for security clearance rather than claiming on a phone I already paid you to protect
This is not “due diligence.” This is deliberate customer abuse dressed up as procedure. Your company exists for one purpose only: to greedily collect premiums when times are good, then deploy an army of obstructionist clerks to deny, delay, and degrade when a legitimate claim arises. You are not an insurance provider — you are a legalised scam that preys on trust and weaponizes paperwork to avoid paying out what is rightfully owed.
I have never encountered such contemptible, incompetent, and downright cruel “customer service” from any organisation in my life. Your claims process is designed not to protect against fraud, but to break the spirit of honest policyholders until they give up in exhaustion.
Consider this letter the first of many. I will be escalating this matter to the Financial Ombudsman, posting detailed accounts of this disgraceful treatment across every relevant review platform, forum, and social media channel, and warning every person I know to avoid your company like the plague.
You should be ashamed. But I suspect shame is not in your corporate vocabulary — only profit through customer suffering

AVOID AT ANY COST!

Simple and clear claim process. I chose the Apple Genius Bar repair option, and it was easy to upload the receipt and the requested information. The customer support team was great with their follow-up.

If I had to be picky, the customer dashboard could be a bit more user-friendly, especially when it comes to re-uploading documents.

Overall, it was a smooth and straightforward experience.

The website is easy to follow and the prices and cover are very good. Only two things stopped it being a 5 star review; I couldn’t change the date of purchase ( it was actually Nov 2025 but the form has defaulted to Oct 2025 ) and I also couldn’t see the value I was covered for ( £ 1250 ) until I’d actually purchased the policy and downloaded it. Otherwise, all good !

Good customer service and easy to deal with

Good Service

Been with you a number of years, operatators very polite and informative, also great price

Very understandable

I had my phone stolen and swipe have been so unhelpful and obstructive. No sensitivity or understanding of the situation and unable to tell me why or how my signed contract that is literally a legal document with all of the information that they require on, does not count as proof of purchase. They are making the process difficult unnecessarily so you can't claim and it is absolutely appalling. I have provided them with photo ID, a energy bill, my phone contract, the date of purchase, evidence of the exact specifics of the phone, the crime reference number after reporting to the police, proof that I have had the phone blocked by my network provider and then, logging it as stolen on another random site and the PDF proving that (with no explanation as to why or what this other website is for "Immobilise" website) and whatever other evidence they have asked for and somehow it is still not enough they want more documents. It has made this whole process even more traumatic than getting your phone stolen and losing everything on it is in itself. Not willing to pay out for a service that have happily taken my money every month for the last 3 years. Avoid if you can.

Good experience easy to buy

The worst insurance paying for 2 years made one claim and didn’t fix my phone properly then they scratched the front screen and they’re response they didn’t do it I had tempered screen protector on they remove it even then I mentioned it’s overheating when open the camera for few second which wasn’t before they said it’s not overheating like I making this up expecting them to pay I just wanted to fix my phone properly don’t damage it… after complain they’re response they didn’t do it and that to put new claim in so you can pay a nother exess to them. I will be cancelling the policy place one claim in 2 years time just because of accident that damaged the screen

Efficient service, clear breakdown of policy cover and costs

So so simple couldn’t have been more perfect 👍

Very good customer service

Great service over the phone, patient and professional

Thanks !

Competitively priced, ease of process

I am writing this review after weeks of frustration with Swipe Insurance regarding my claim (submitted 28 September). The entire process has been chaotic, slow, and completely lacking in communication or accountability.

I submitted all required documents on 28 September, only to be asked again on 2 October for a completely new set of documents including ID validation photos and proof of payment none of which were mentioned in the original requirements. Despite sending everything immediately, I was later told on 6 October that the images were “not accessible,” and asked to resend them in another format. I did so the same day, yet received no update for over a week.

Only after I raised a formal complaint did I finally receive a response on 13 October, saying my case was being escalated to a senior claims handler for an interview on 16 October.

This level of delay and disorganisation is unacceptable. I have been left without a phone for over two weeks, which has caused significant inconvenience to my personal and professional life despite fully complying with every request immediately.

Swipe Insurance needs to take accountability for poor internal coordination, lack of transparency, and failure to communicate with customers. I sincerely hope my claim is resolved soon, but this experience has seriously damaged my trust in the company.

Easy to set up online.
Great price

Charlie the operative was amazing. Resolved my problem swiftly, professionally and made me feel at ease.

Very simple process quotation. Good cover and even better priced.
Customer service was able to quickly help on locating where doc’s needed to be uploaded. Also, 2nd purchase will get me a 10% discount.

I started a claim over a week ago, every few days they ask me for a document to slow down the process. All these documents should have been requested on day one for review. I am 8 days in and it still says claim Under review. I paid for the highest level of cover - platinum. It’s made no blind bit of difference. If this hasn’t been resolved in the next few days I will be sure to contact the governing body and have all payments claimed back through a chargeback. This is for phone insurance it’s not a jumbo jet. I don’t understand how they can say fast claims process - it’s nothing but slow and agonising. I don’t know if I will be renewing my policy just yet. Someone please have this actioned as a priority. JM