Get the lowdown on car insurance from Churchill, including what's covered and the pros and cons of the brand. See if the dog delivers reliable cover for the right price.
As one of the first direct car insurers in the UK, is Churchill is a top dog in the market? Oh yes (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.
Get started by visiting Churchill’s website and sign up for a policy. If you have read this review and decided that Churchill car insurance is not for you, you can also compare other car insurance policies on the market.
Are you chasing your tail searching for dependable car insurance? Churchill offers the usual types of cover. Find out what you get with each level of cover.
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.
What’s covered under my policy?
Product Name
Churchill Third Party Fire and Theft
Churchill Comprehensive
Damage to your car
✓
✓
Fire and theft
✓
✓
Personal accident cover
✓
✓
Personal belongings
✓
Liabilities to third parties
✓
✓
No-claims discount
✓
✓
No-claims discount protection
Minimum 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 4 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 4 years’ no-claim discount and no more than 1 fault claim within the past 3 years for all drivers combined to be eligible for this cover.
What are Churchill’s different policies?
This policy has no-claims discount protection, personal accident cover and personal belongings cover. Named drivers can earn their own no-claims discount too, which could be useful.
Churchill’s Comprehensive Plus cover has everything in its Comprehensive cover and more. It has higher cover limits and motor legal cover included.
You’re covered if someone else makes a claim against you, if your car is stolen or if it’s damaged by fire.
This is available as Comprehensive, Comprehensive Plus and Third Party Fire and Theft but it comes with extras specifically for electric cars. This includes cover for batteries and charging cables.
DriveSure is a telematics insurance policy which is designed to help young drivers. It uses GPS technology to record how you drive. You could get a reduced premium in future if you drive safely.
Multi-car options are available too.
How do I make a claim?
You can start a claim online or call the Churchill claims line on 0345 878 6261 to register a claim. This claims line is open 8am–9pm 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.
What is my excess?
Your car 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.
Churchill car insurance customer reviews
Customers who took part in Finder’s 2024 customer satisfaction survey were fairly positive about Churchill, citing “reasonable” and “fair” prices and good cover. Comments about the service were rather mixed – a few said they were disappointed, but others had had a better experience.
One customer said: “It was very easy to get a quote and the process was very simple.”
In our survey, 79% of Churchill customers said they would recommend the brand to a friend. This placed it in the lower section of our 2024 league table of 11 providers.
On the reviews platform Trustpilot, Churchill overall does well, scoring 4.2 out of 5, based on almost 18,000 reviews (last updated: April 2024).
How to cancel Churchill car insurance
To cancel your policy you need to call 0345 603 3560.
Opening hours are:
Monday to Friday: 8am–9pm Saturday: 9am–5pm Sunday: 9am–4pm
Frequently asked questions
Yes. If you wish, cover can start instantly.
A quote from Churchill is valid for 30 days.
Yes, Churchill offers policies that can be paid in full or by monthly direct debit payments.
Yes but only for existing policy holders in order to insure a second car. Temporary insurance cover can be taken out for up to 30 days.
You can find your expiry date online.
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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio
Liz's expertise
Liz has written 106 Finder guides across topics including:
Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio
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