Churchill Home Insurance Contact Number & Lines

The Churchill home insurance contact number for renewals, policy changes and general queries is 0345 603 3560, with lines open Monday to Friday 8am to 9pm, Saturday 9am to 5pm, and Sunday and bank holidays 9am to 5pm (Churchill, page updated 8 October 2026). Churchill is a UK home insurance brand underwritten by U K Insurance Limited, part of Direct Line Group, and is regulated by the Financial Conduct Authority.

Different tasks use different lines, so you will reach the right team faster if you know which number to dial. Below are Churchill’s current home-insurance numbers for renewals, claims, severe-weather claims and complaints, along with opening times and the online options that avoid a phone call altogether. We also explain the cover basics every homeowner should understand before renewing: your sum insured, your excess and your main exclusions.

Last updated: October 2026

Written by the Free Price Compare editorial team | Reviewed October 2026

What is the Churchill home insurance contact number?

The main Churchill home insurance contact number is 0345 603 3560, used for renewal-price questions, policy details, personal-detail updates and renewals (Churchill, page updated 8 October 2026). The 0345 prefix is charged at a standard geographic rate and is included in most landline and mobile call bundles, so it costs the same as a call to an 01 or 02 number.

Opening hours for this line are Monday to Friday 8am to 9pm, Saturday 9am to 5pm, and Sunday and bank holidays 9am to 5pm. For many changes you do not need to call at all. Churchill lets policyholders update details, view documents and manage renewals online, and offers webchat support, which often avoids a wait on the phone. If you are comparing brands at renewal, it helps to read our plain-English breakdown of Churchill home insurance cover levels before you ring.

Churchill home insurance numbers, lines and opening times

Churchill uses separate home-insurance phone lines for renewals, severe-weather claims and complaints, so dialling the right one gets you to the correct team first time. The table below lists the current numbers and hours published by Churchill in October 2026.

Figures are indicative and may change. Always check the number printed on your own policy documents, because the correct line can differ depending on the product and when you took out cover. If you also hold motor cover with the same group, our guide to the Churchill car insurance phone number and contacts lists those separate lines.

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How do I make a home insurance claim with Churchill?

You can make a Churchill home insurance claim online or by phone during opening hours. For storm, flood or other weather damage, Churchill directs customers to its severe-weather claims line, 0345 603 3599, and asks you to get in touch as soon as it is safe to do so.

Before you start a claim, have your policy number, the date of the incident and a clear description of the damage ready. Take dated photos of the damage and keep any receipts for emergency repairs or replacements. For theft or malicious damage you will usually need a police crime reference number, so report it to the police first.

• Your policy number and contact details.
• The date, time and cause of the damage or loss.
• Photos of the damage and a list of affected items.
• A crime reference number for theft or vandalism.
• Receipts for any urgent repairs already carried out.

A common cause of disputes is storm-damage wording. Many home policies only treat weather as a “storm” when wind, rain, snow or hail reaches a defined severity, so damage from ordinary heavy rain may not qualify. Reading your policy booklet’s storm definition before you claim avoids surprises. Our overview of the 2015-16 York floods shows how quickly weather claims can escalate, and why the Flood Re scheme matters.

Does Churchill have an emergency helpline and an app?

Churchill offers a 24/7 online claims service and, on eligible policies, a 24-hour legal helpline for legal questions. The online claims service runs 24 hours a day, 365 days a year, which means you can register a claim at any time even when phone lines are closed (Churchill, page updated 12 October 2026).

Home emergency cover, which deals with sudden incidents such as a burst pipe, boiler breakdown or loss of heating, is usually an optional add-on rather than part of standard buildings or contents cover. Check your schedule to confirm whether you hold home emergency cover and the dedicated number that comes with it. For legal queries, the legal helpline included with legal expenses cover is separate from the main claims line, so use the number shown in your legal protection documents.

Not sure your cover is right?

Compare combined buildings and contents cover from our panel of 42 home insurers.

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How do I cancel Churchill home insurance?

To cancel Churchill home insurance, contact the customer service team on 0345 603 3560 or use webchat during opening hours. Under FCA rules, home insurance comes with a 14-day cooling-off period from the start date or the day you receive your documents, whichever is later, during which you can cancel and receive a refund for the unused time, minus any cover already used.

If you cancel after the 14-day cooling-off period, you will usually get a pro-rata refund for the remaining months, though a cancellation fee may apply. Check your policy wording for the exact fee. If you pay monthly by instalments, cancelling mid-term may mean settling the remaining balance for the policy year, because paying monthly is a credit agreement for the annual premium rather than a true pay-as-you-go arrangement.

Many homeowners cancel or switch at renewal because the quoted price has risen. Renewal prices can increase even without a claim, so it pays to compare the open market before you accept. You can review how other brands handle contact and renewals in our guides to the AA home insurance contact number and the Lloyds home insurance contact number.

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What do sum insured, excess and exclusions actually mean?

Sum insured is the maximum amount your home insurer will pay out for a claim, and getting it right matters more than almost any other figure on your policy. For buildings cover, the sum insured should reflect the full rebuild cost of your property, not its market value. Rebuild cost is usually lower than what you would sell the house for, because it excludes the land, but underinsuring means a claim can be scaled down proportionately.

An excess is the amount you agree to pay towards each claim before your insurer covers the rest. Most home policies carry a compulsory excess set by the insurer, plus a voluntary excess you choose. Raising your voluntary excess usually lowers the premium, but only increase it to a level you could comfortably pay if you needed to claim. Flood claims on a policy ceded to the Flood Re scheme carry a fixed £250 excess per claim for the 2026/27 scheme year, according to Flood Re.

Exclusions are the situations your policy will not cover. Common home-insurance exclusions include gradual wear and tear, damage from lack of maintenance, and losses while a property is left unoccupied beyond a stated period, often 30 to 60 consecutive days. A long trip away can quietly invalidate cover, which we explain in more detail in our note on how long holidays affect home insurance claims.

How much is home insurance in 2026?

Home insurance prices vary over time and between regions, property types and claims histories, so wider market averages may not reflect the price Churchill quotes for your home. Prices vary widely by region, property type and claims history, and these are market averages rather than Churchill-specific figures.

Figures are indicative market averages (January 2026) and may change. Northern Ireland was the highest regional figure reported, at £483, up around 6% year on year. Claims costs can rise even when premiums soften, particularly after severe weather, flooding or subsidence, which is one reason an individual price can move against the wider market trend. We compare cover from a panel of 42 home insurers so you can see where your own property sits against the market.

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Who underwrites Churchill home insurance?

Churchill home insurance is underwritten by U K Insurance Limited, part of Direct Line Group, and the brand is authorised and regulated by the Financial Conduct Authority. You can confirm any insurer’s authorisation on the Financial Services Register maintained by the FCA.

Because Churchill, Privilege and Direct Line sit within the same group, some customer service functions are shared, though each brand prices and sells policies separately. If Churchill cannot resolve a complaint within eight weeks, you have the right to refer it free of charge to the Financial Ombudsman Service. Eligible home insurance policies may be protected by the Financial Services Compensation Scheme if the insurer fails; check the current FSCS rules for the applicable level of protection.

• Churchill Home Insurance: Cover Levels Explained
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• Lloyds Home Insurance Contact Number & Hours 2026
• Admiral Car Insurance Contact Number (2026)

Information correct as of 17 October 2026. Prices, tariffs, policy details and providers change frequently, so please check the latest details before making a decision. This article is for general information only and does not constitute financial advice. Free Price Compare is authorised and regulated by the Financial Conduct Authority (FCA).