I took out my Motor Insurance policy through Swinton Central Online. I have several times written to them with urgent queries relating to NCB but they never reply. I have phoned them, got told they are too busy to talk to me, they will phone me back - they never did. Appalling! Luckily a friend told me there are Swintons Branches where there are real physical people who answer the phone. I have since dealt with branches and they have been excellent. DO NOT take out your Swintons policy through Online or Central is my advice, look up a Swintons local branch and phone them instead.