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

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 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
Comprehensive		Cover third-party fire and theft Covers injuries to you and damages to your car

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.

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

How much does Churchill car insurance cost?

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

Drivers'age	Monthly premium
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.

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 types	Comment
Discounts	- Safe drivers using DriveSure application. Amount not stated. - Multi-car discount. Amount not stated.

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

Churchill car insurance policy summarized

Guarantees

	At Churchill
NCB benefit	Yes
Uninsured driver NCB benefit	Yes
Loss or theft of keys	Market value
Personal belongings	£250
Audio equipment	No
Medical expenses	£200
Liability limit for property damage	£20,000,000
Legal expense	£100,000
Courtesy car benefit	As standard but enhanced cover is available
Courtesy car cover	Duration of repair
Coverage abroad	90 days

Excess

	At Churchill
Fire excess	£150
Theft excess	£150
Accidental damage excess	£50
Windscreen replacement excess	£75
Young driver excess	£400

Admin fees

	At Churchill
Interest charged by payment installments	Variable
Renewal fees	£0
Cancellation fees	Cancellation fees during cooling off period: £0 Cancellation fees outside cooling off period: £54
Modification fees	£26,88

Other car insurance policies available at Churchill

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
Customer service	0345 603 3551	Mon – Fri 8am – 9pm Saturday & bank holidays 9am – 5pm Sundays 10am – 5pm.
Renewals	0345 603 3560	Mon – Fri 8am – 9pm Saturday & bank holidays 9am – 5pm Sundays 10am – 5pm
Quotes	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.

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
Chatbot	Yes

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.

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.

Let's find out how to cancel at Churchill:

	Administrative fees
Cancel by phone	0345 603 3551

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

Customer Relations Manager
Churchill Court
Westmoreland Road
Bromley
BR1 1DP

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.