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Are you chasing your tail searching for dependable car insurance? Churchill offers the usual types of cover, but this top rated insurer also claims to review its rates continually. Find out what’s on offer and what Churchill’s customers think.
Churchill – whose nodding bulldog has graced many an advert – offers a wide range of insurance including car, travel, pet and home.
Established in 1989, Churchill was one of the first direct car insurers in the UK.
Churchill became part of the Royal Bank of Scotland Group after being acquired in 2003, but since 2012 it has been part of the Direct Line Group.
Churchill policies are underwritten by U K Insurance Limited.
U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential regulation Authority.
|Product Name||Churchill Third Party Fire and Theft||Churchill Comprehensive|
|Damage to your car||✓||✓|
|Fire and theft||✓||✓|
|Personal accident and road rage||✓||✓|
|Liabilities to third parties||✓||✓|
|No claims discount||✓||✓|
|No claims discount protection||Minimum 4 Years of NCD for it be protected|
Churchill offers a range of additional protection to bolt onto your policy, including:
Your insurance excess is the chunk of money you will need to pay towards a claim. The compulsory excess amount might vary depending on the age of your car and your driving experience and your insurer won’t pay out for a claim that costs less than this amount.
A voluntary excess sits on top of this and is usually set by you when you take out the policy. A higher voluntary excess can reduce your premiums, but make sure you can actually afford to pay it should the need arise.
You’ll find details about any compulsory or voluntary excesses in your policy document.
Call the Churchill claims line on 0345 603 3599 to register a claim.
This claims line is open 8am – 8pm Monday to Friday, 9am – 5pm Saturdays/bank holidays and 10am – 5pm Sundays.
If you need to report an incident outside of these hours, you can call the Churchill 24-hour accident recovery helpline on 0800 269 015.
You will need to provide the following information in order to make a claim:
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
In our 2020 customer satisfaction awards, Churchill got 4 out of 5 stars, with 83% of customers saying they would recommend the service.
On customer review platform Trustpilot, Churchill as a company has 4.4 out of 5 stars and a rating of “Excellent”, based on more than 4,300 reviews.
On similar platform, Reviews.io, the company has 3.8 out of 5 stars, based on more than 1,000 reviews. 72% of customers say they would recommend the service.
Customers love the efficient service and competitive prices, but some complained about hidden charges and admin fees (updated December 2020).
As one of the first direct car insurers in the UK, Churchill is a top dog in the market (sorry, we couldn’t help it…).
The company’s comprehensive cover is a good option if you’re looking for full protection for your car. Even if you don’t need that level of cover, it’s worth getting a quote for both cover options, as comprehensive can sometimes work out cheaper than just third party, fire and theft.
Churchill’s policies are not the cheapest, but you get what you pay for so always consider your needs above the price tag.
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