Churchill Car Insurance Review

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Alexandre Desoutter updated on July 7, 2022

This is the ultimate review to guide you through Churchill car insurance.

You might already know that Churchill offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Churchill the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Churchill car policy terms and conditions and given our own ratings based on different criteria.

4,2 Safe overall rating for Churchill

Our ratingOur opinion
Customer service & satisfaction

Landing page contains the bulk of the information needed
Good customer care service ratings from Reevoo

Cover provided

A wide range of cover is provided
Legal protection as standard
Vandalism promise

Value for money

No claims discount unaffected in a no-fault or uninsured driver claim
Discount is given for named drivers
Guaranteed five years repairs as long as the repairer is approved by Churchill

Financial strength for pay out

High level of financial capability to handle claims


Adequate information is provided on the website
Presence of live bot
An online application called DriveSure is used
Good social media presence

Safe rating for Churchill

Expert and customer reviews on Churchill

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Churchill's reputation.

Review organisationConsumer satisfaction rates for Churchill
Defaqto expert rating for Churchill
defaqto 5 stars
4,3/5 based on 1,606 opinions,
Consumer satisfaction rates on reviews for Churchill

To check if Churchill is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


Our review on Churchill car insurance policy

With the comprehensive cover at Churchill (rated 5 stars by the expert Defaqto), you are covered for things such as fire and accident damage, vehicle theft and claims brought against you. Also, if you’re accidentally injured in the process of getting in or out of any car, Churchill will pay your legal representatives, subject to terms and conditions set out within your car insurance policy. Churchill is also one of the only insurer providing motor legal protection under the comprehensive level of cover at no extra fee.
There is a live bot which makes it easily for urgent enquiries to be answered.Churchill covers most of the insurance car policy options. The company has won numerous awards over the years. Customer car service seems to be excellent and to handle claims and customer complaints efficiently as we can see from the reviews online (4,3/5).

What does Churchill car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Churchill?

Car insurance policyAvailable at ChurchillCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Churchill

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Churchill explained in details

Let's find out what does Churchill covers in its car insurance policy.

Breakdown cover at Churchill

The breakdown services that Churchill offers are as follows:

  • Churchill Breakdown Service (CBS): covers roadside assistance and helps you make your arrangements to complete your journey
  • Churchill Homecall Service (CHS): provides both roadside assistance and also assistance in the case that you breakdown at home
  • Churchill Home And Rescue Service (CHRS): covers a comprehensive UK breakdown cover, roadside recovery and also assistance in the case that you breakdown at home
  • Churchill Advanced Rescue Service (CARS): offers all the above benefits as well as cover in Europe.

Keycare cover at Churchill

Available. Details not stated.

Windscreen cover at Churchill

Claim on windscreen, window or sunroof doesn’t affect NCB.

Motor legal protection at Churchill

Churchill covers £100,000 of legal costs to help you to claim, where no other insurance policy will cover your losses, as long as there is a better than 50% chance that your claim will succeed.

Personal policy injury available at Churchill

Churchill provides a personal accident cover for policyholder and spouse or partner and medical expenses following an accident.

Coverage abroad at Churchill

When you have Churchill Car Insurance, you are entitled to the minimum level of cover (i.e The Third party cover) needed to drive your car in the European Union (EU). This covers you if other people claim against you for injury or damage to their car or property.

Courtesy car at Churchill

In the case of an accident or damage from theft or an accident, a replacement car is provided for the driver. Churchill will provide the following in the case that your car has been damaged:

  • A replacement car to use for 21 days after the claim has been registered
  • A car of a similar physical size to your own
  • A replacement car within 24 hours after the claim has been registered.

No-Claim Bonus (NCB) at Churchill

If you have a minimum of 4 years no claim discount, with no more than one fault claim within the past three years for all drivers combined (if you have a Multi-car policy), then you will be eligible to purchase No Claim Discount Protection.

At Churchill, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claims in 3 years

Good to know

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium.

Churchill car insurance terms and conditions

How much does Churchill car insurance cost?

You'll find below indicative car insurance quotes at Churchill:

Drivers'ageMonthly premium
18 years old
40 years old
60 years old
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Churchill insurance car policies vary widely based on different factors such as:

  • The driver’s age
  • The date on which they received their driving licence
  • The type of car
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy)
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.)
  • Insurance taxes.

Good to know

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Churchill?

Churchill offers a discount for drivers using the DriveSure application.If you drive safely and get a high score, you'll be rewarded with a discount when you renew your insurance. Apart from this, Churchill also offers a Multi-car introductory discount.

Discount typesComment
- Safe drivers using DriveSure application. Amount not stated.
- Multi-car discount. Amount not stated.
Discounts and cashbacks available at Churchill

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Churchill car insurance policy summarized


At Churchill
NCB benefit
Uninsured driver NCB benefit
Loss or theft of keys
Market value
Personal belongings
Audio equipment


Medical expenses


Liability limit for property damage
Legal expense
Courtesy car benefit

As standard but enhanced cover is available

Courtesy car cover

Duration of repair

Coverage abroad

90 days

Guarantees at Churchill


At Churchill
Fire excess
Theft excess
Accidental damage excess
Windscreen replacement excess
Young driver excess


Excess at Churchill

Admin fees

At Churchill
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period: £0
Cancellation fees outside cooling off period: £54

Modification fees


Admin fees at Churchill

Other car insurance policies available at Churchill

Churchill multi-car insurance

The Multi car cover option is only available for cars registered under the same address. Churchill offers a Multi-car discount for cars like this (the maximum number of cars that can be registered under one address is 10).

Churchill van insurance

With Churchill van insurance policy cover, here are some of the things to expect:

  • 24-hour accident recovery (Comprehensive cover only)
  • £500 of cover for loss or damage to audio equipment permanently fitted to your van
  • Repairs are guaranteed for 5 years when you use our approved repairer
  • The cover is valid in the case of theft or damage to your tools
  • Breakdown car assistance from anywhere in the UK
  • Vehicle replacement cover in the case that your van has been stolen or damaged by fire.

How to contact Churchill auto insurance?

Churchill phone numbers

You will find all important phone numbers to contact Churchill car insurance:

Contact numberOpening hours

Customer service

0345 603 3551

Mon – Fri 8am – 9pm
Saturday & bank holidays 9am – 5pm
Sundays 10am – 5pm.


0345 603 3560

Mon – Fri 8am – 9pm
Saturday & bank holidays 9am – 5pm
Sundays 10am – 5pm


0800 032 4829

Mon – Fri 8am – 9pm
Saturday & bank holidays 9am – 5pm
Sundays 10am – 5pm

New claims

0345 603 3590

Mon – Fri 8am – 8pm
Saturday & bank holidays 9am – 5pm
Sundays 10am – 5pm

Existing Claims

0345 600 2136

Mon – Fri 8am – 6pm
Saturday & bank holidays 9am – 5pm

24 hours emergency

0345 603 3599

24 hours a day, 365 days a year.

Contact numbers at Churchill

Churchill other contact details

You'll find below Churchill main contact details:

Contact details of Churchill
Email address

[email protected]

Customer account with Churchill login

My Account

Social media
Twitter, Facebook
Contact details at Churchill

You can also contact them by mail by writing to Churchill car insurance:

Churchill Court,
Westmoreland Rd,
Bromley BR1 1DP,
United Kingdom.

How to claim at Churchill?

You can make a claim by either filling an online claims form or calling the claims department.

ServiceCar claim
Claim online

To claim online, fill in the online form with the necessary details required on this page:
You will also be required to provide the following:

  • Your personal details
  • Your current location
  • Information on the condition of the car
  • Information on the extent of the damage
  • Details of any passengers or third parties.
Claim by phone

New Claims: 0345 603 3590
Existing Claims: 0345 600 2136

Claim process at Churchill

How to cancel your car insurance at Churchill?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Churchill as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Churchill has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

Let's find out how to cancel at Churchill:

Administrative fees
Cancel by phone

0345 603 3551

Cancellation and modification fees at Churchill

You can also write to Churchill to cancel your car insurance policy:

Customer Relations Manager
Churchill Court
Westmoreland Road

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Churchill could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.

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Alexandre Desoutter Redactor in chief

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.