Churchill car insurance review

Get the lowdown on Churchill car insurance to see if the dog delivers reliable cover for the right price.

Updated

Fact checked
Churchill
We say
★★★★★
Finder expert rating
You say
★★★★★
Customer satisfaction
Reliable and helpful service reported by customers.
Mixed reviews for claim handling.
Promoted
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Are you chasing your tail searching for dependable car insurance? Churchill offers the usual types of cover, but this 5-star Defaqto-rated insurer also claims to review its rates continually.

Who is Churchill?

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.

Who underwrites the car insurance from Churchill?

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.

Compare Churchill car insurance policies

Data indicated here is updated regularly
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options Link
Churchill Third Party Fire and Theft
optional
N/A
Up to 90 days
No
Yes
Black box insurance, Young driver insurance
Compare quotes
Churchill Comprehensive
Up to 90 days
Cover you or your partner up to the benefit amount outlined in your insurance agreement
Yes
Black box insurance, Young driver insurance
Compare providers
  • Replacement, upgrade or the money in case of write off
  • No-claims discount protected if car is vandalised or hit by an uninsured driver
  • (terms apply)
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What’s covered under my policy?

Product NameChurchill Third Party Fire and TheftChurchill Comprehensive
Damage to your car
Fire and theft
Personal accident and road rage
Personal belongings
Liabilities to third parties
No claims discount
No claims discount protectionMinimum 4 Years of NCD for it be protected

Optional extras

Churchill offers a range of additional protection to bolt onto your policy, including:

  • Breakdown cover. Churchill offers four different levels: Breakdown Service, Homecall Service, Homecall and Rescue Service and Advanced Rescue Service.
  • Guaranteed hire car plus. Churchill will provide you with a hire car if your car is damaged due to an accident or fire, or if your car has not been recovered after being stolen.
  • Legal assistance. Churchill will provide up to £100,000 of legal costs in the event of a legal dispute after an accident as long as there is a better than 50% chance that your claim will succeed.
  • No-claims discount protection. You’ll need a minimum of four years’ no-claim discount and no more than one fault claim within the past three years for all drivers combined to be eligible for this cover.

What is my excess?

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.

What is the claims process for Churchill?

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:

  • You details and personal contact details
  • Details about the incident
  • Details about the damage to your car and whether it is driveable
  • Details of all third parties and their passengers involved in the incident
  • Details of all passengers in your car and any witnesses of the incident
  • Crime reference number, if relevant

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.

Pros and cons for Churchill car insurance

Pros

  • Uninsured driver promise
  • If your car is vandalised and you have a crime reference number, you won’t lose your no claims discount
  • Access to a 24/7 legal advice helpline
  • Telematics cover, called DriveSure, available

Cons

  • No 24/7 claim line (emergency line available)
  • No third party only cover available

Verdict

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.

Frequently asked questions

Car insurance ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.
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