Get the lowdown on Churchill to see if the dog delivers reliable cover for the right price.
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.
Churchill Car Insurance
- 5-star rating from Defaqto for Churchill car insurance
- Multi-car discount available. T&Cs apply
- Choose between a replacement, upgrade or the money when your car is written off. T&Cs apply
- Guaranteed five years of repair for approved repairer
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.
What are Churchill’s levels of cover?
Churchill Third Party cover
Third party cover is the minimum level of cover that is offered by Churchill. All drivers in the UK are legally required to have at least this level of car insurance. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. Though it won’t cover any damage to your own car.
Churchill Third Party Fire and Theft cover
You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.
Churchill Comprehensive cover
This is the highest level of cover on offer and will give the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth checking the cost of comprehensive as it can be cheaper than third party.
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.
- No-claims discount protection. You’ll need a minimum of four years’ no-claim discount to be eligible for this cover.
Any cover offered by Churchill is likely to become invalid if any of the following arises:
- You change the use of your car from its original use. For example, changing from social domestic and pleasure to business use.
- Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
- You use your car at rallies, races or competitions.
- You are paid to carry passengers.
- You fail to pay for your premium.
- You change your car during the policy term to a car that the insurer cannot cover.
- You do not provide the correct documents to support your application.
Check your policy for further details to confirm your cover is valid.
How to save on your car insurance policy through Churchill
- Increasing security. If your car is not currently fitted with an alarm, think about adding one to reduce your premium.
- Having a secure location to park your car. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
- Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
- Fewer drivers. Only add drivers to your policy that regularly drive your car
- Larger excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
What is my excess?
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
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.
Frequently asked questions
*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.
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