Review: Churchill Car Insurance UK

David Woodfield By David Woodfield

Key policy features

  • Churchill offers a courtesy car as standard, with its comprehensive cover, if you use an approved repairer
  • Repairs from an approved repairer are guaranteed for 5 years
  • If your car is written off you can choose between a replacement, an upgrade or the money

Summary

Founded in 1989 as one of the country’s first direct car insurance companies, Churchill – part of the Direct Line Group – has expanded to offer a range of insurance products, including home insurance, travel insurance, pet insurance and breakdown cover.

Churchill is known for its advertising mascot, the nodding dog, and has won a host of insurance and customer service awards.

At present, it is offering new customers a year of free roadside breakdown cover (level 1) provided by Green Flag. Customers will be charged for breakdown cover on renewal.

You can get a quote from Churchill's car insurance website.

Churchill is one of our top 10 top car insurance companies, find out where it came here.

Overview of cover provided by Churchill Car Insurance

Churchill offers two levels of cover for new customers: comprehensive and third-party fire and theft.

Comprehensive cover is the most extensive option, and covers you for any damage done to your own car, as well as a third party.

Comprehensive policies include 24-hour accident recovery, repairs guaranteed for five years when you use an approved repairer, personal accident cover, personal belongings cover, medical expenses and new for old cover on cars under 12 months old.

New customers will benefit from a year’s free breakdown assistance, and comprehensive policy holders also benefit from Churchill’s uninsured driver promise, which protects your claim free years if you’re involved in a non-fault accident with an uninsured driver. You will need to provide Churchill with the uninsured driver's registration number and the make and model of their car.

Third party, fire and theft cover offers protection against damage to someone else’s vehicle or property, and causing injury to another person. This level of cover will also protect you if your car is stolen or damaged by fire.

Churchill also offers a number of optional extras including legal assistance, the option to protect your no claim discount if you have four or more years, and a guaranteed hire car.

You can buy a separate Churchill breakdown cover policy, which it operates in partnership with Green Flag. Find out where Churchill and Green Flag came in our guide to the 13 best breakdown cover providers.

Get an instant Churchill car insurance quote online.

Check Churchill's policy documents for specific cover limits. For example, if your car is written off Churchill allows you to choose between a replacement, an upgrade or the money. However, the service excludes theft claims and your car has to be at least £3,500. It also says an exact match may not be available but you can get an upgrade if you pay the difference.

Churchill provided one of the most competitive quotes for Tesla car insurance when we researched the topic in August 2016.

Its cover is underwritten by U K Insurance Limited.

How much does Churchill car insurance cost?

The cost of car insurance from Churchill will depend on a variety of factors, including your address, age, level of cover chosen and the model of your vehicle.

However, the company does offer a range of discounts to help bring the cost of car insurance down.

In 2015 its average discount for new customers who had at least 9 years of a no claims bonus was 47%.

Its website says it also offers a multi-car discount for up to 10 cars in a household.

You can get a Churchill car insurance quote here.

What do Churchill car insurance reviews from customers say?

Churchill has an average score of 4.31 out of 5 from 275 reviews on Reviews.co.uk. However, on Reviewcentre.com it is rated 1.5 out of 5 from 316 reviews.

What do Churchill car insurance reviews from the experts say?

Fairer Finance ranks Churchill 13th out of 52 providers, which gives it a silver rating.

Churchill car insurance is rated 5 Star by independent financial review service Defaqto.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 5 Star rated policy is "an excellent product with a comprehensive range of features and benefits".

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