Swinton - When you are unfortunate enough to face a damaged windscreen that cannot be repaired, Swinton only allow you to use one of two windscreen repair companies that they prefer unless you want to pay more toward the repair !! - The excess they state on the policy is not in some cases all you pay example is -> The replacement screen is £300 your excess is £75 and Swinton say we will pay up to £150 - Thats right YOU are going to pay the difference which in this case is £125 thats right , on top of the £75 you have to pay so thats £200 You pay in total, and because THEY dictate who repairs your screen when you request a repair you can be made to wait in excess of 8 days - we were !!! - why do Swinton care which windscreen company repairs your screen do they only trust these two companies - why isnt the policy simply worded to read WINDSCREEN REPAIR - we pay upto £150 for windscreen replacement you pay the difference and you must use our repairers otherwise we will pay less toward your repair? - my wife has a 7 day wait to repair and is also faced with driving her vehicle with what could be an illegal screen or not using her car during this period , ... Nice one Swinton !!!