Churchill Car Insurance Review
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 rating||Our opinion|
|Customer service & satisfaction|
Landing page contains the bulk of the information needed
A wide range of cover is provided
|Value for money|
No claims discount unaffected in a no-fault or uninsured driver claim
|Financial strength for pay out|
High level of financial capability to handle claims
Adequate information is provided on the website
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 organisation||Consumer satisfaction rates for Churchill|
|Defaqto expert rating for Churchill|
|TrustPilot||4,3/5 based on 1,606 opinions,|
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.
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 policy||Available at Churchill||Coverage in a nutshell|
|Third-Party Fire and Theft|
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:
|18 years old||£106,57|
|40 years old||£43,95|
|60 years old||£32,41|
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.
|Discounts||- Safe drivers using DriveSure application. Amount not stated.|
- Multi-car discount. Amount not stated.
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
|Uninsured driver NCB benefit||Yes|
|Loss or theft of keys||Market value|
|Liability limit for property damage||£20,000,000|
|Courtesy car benefit|
As standard but enhanced cover is available
|Courtesy car cover|
Duration of repair
|Accidental damage excess||£50|
|Windscreen replacement excess||£75|
|Young driver excess|
|Interest charged by payment installments|
Cancellation fees during cooling off period: £0
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 number||Opening hours|
0345 603 3551
Mon – Fri 8am – 9pm
0345 603 3560
Mon – Fri 8am – 9pm
0800 032 4829
Mon – Fri 8am – 9pm
0345 603 3590
Mon – Fri 8am – 8pm
0345 600 2136
Mon – Fri 8am – 6pm
24 hours emergency
0345 603 3599
24 hours a day, 365 days a year.
Churchill other contact details
You'll find below Churchill main contact details:
|Contact details of Churchill|
|Customer account with Churchill login|
|Social media||Twitter, Facebook|
You can also contact them by mail by writing to Churchill car insurance:
Bromley BR1 1DP,
How to claim at Churchill?
You can make a claim by either filling an online claims form or calling the claims department.
To claim online, fill in the online form with the necessary details required on this page: https://yourclaim.360sv.com/as/3KKGHmTTRsYRD78Dhj7WmdSz
|Claim by phone|
New Claims: 0345 603 3590
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:
|Cancel by phone|
0345 603 3551
You can also write to Churchill to cancel your car insurance policy:
Customer Relations Manager
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’.