For anyone considering Swiftcover I would recommend buying the policy through this cashback site, currently £45
http://www.quidco.com/finance/swiftcover/I used it last year and it works fine, just takes a month or two to get paid
It also has good cashback with a number of other motor insurers

My Swiftcover total was as follows for a bog standard ED30, me & wife (both 40's) , 1 blame accident

, 1 no-blame accident, 0 points, Leeds postcode
Net Premium 287.31
Replacement car option 16.99
Legal assistance service option 21.99
Protected no claims discount option 56.31
Total (including IPT) 382.60