I have mates who are with them and say they are cheap, but have never claimed.

Just read this and see what you think.

http://www.productreview.com.au/p/swann-insurance.html

Whilst you are there, read Shannons. A huge difference.

P.S Not trying to bag out your products, I wanted to use them as my old boy knows the owner of the company, but with reviews like that. No thanks.