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Who are Churchill?

Churchill has been providing motor insurance in the UK since 1989 and is part of the Direct Line Group, one of the UK’s largest insurance groups. The brand is widely recognised and offers car insurance directly rather than through price comparison sites.

Churchill is authorised and regulated by the Financial Conduct Authority (FCA), meaning it must meet strict standards around customer protection, transparency, and claims handling.

Churchill car insurance reviews & reputation

Churchill generally receives positive feedback for its customer service, claims handling, and range of car insurance products.

Trustpilot star rating of 4+ out of 5, based on verified customer reviews
Common themes include helpful support, clear policy information, and reliable claims handling

As with any insurer, individual experiences can vary depending on the type of cover, circumstances of a claim, and the specific car insurance policy selected. Comparing providers and reviewing policy details carefully is always recommended.

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Levels of Churchill car insurance cover explained

Churchill offers three main levels of car insurance cover in the UK:

Comprehensive car insurance

The highest level of cover, protecting you against:

Damage to other people’s vehicles and property
Fire and theft
Accidental damage to your own car
Legal expenses (may be included or optional)
Personal accident cover (subject to policy terms and limits)

Optional extras may include breakdown cover, protected no-claims discount, and a guaranteed courtesy car.

Third Party, Fire and Theft

Provides:

Cover for damage to other people’s vehicles and property
Protection if your car is stolen or damaged by fire

This level does not cover accidental damage to your own vehicle.

Third Party Only

The minimum legal requirement for driving in the UK:

Covers damage or injury you cause to others
Does not cover damage to your own vehicle

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Churchill comprehensive car insurance – what’s included?

Churchill’s comprehensive policies typically include:

Fire, theft and accidental damage cover
Windscreen cover (subject to excess)
Courtesy car while repairs are carried out (availability may vary)
Driving other cars cover (third party only, where applicable)
Misfuelling cover (engine damage only)

Policy limits, excesses, and features can change, so it’s important to check the latest policy wording before buying.

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What is the excess on a Churchill car insurance policy?

The excess on a Churchill car insurance policy varies depending on several factors, including the type of cover selected, the driver’s details, the vehicle insured, and whether any optional extras have been added.

Most policies include:

A compulsory excess set by Churchill
A voluntary excess chosen by the policyholder

The total excess is the amount you would need to pay if you make a claim. Windscreen claims and certain incidents may have different excess levels. Always check your policy documents for the exact excess that applies to your cover.

Optional extras you can add to a Churchill policy

Depending on the policy selected, optional extras may include:

Breakdown cover (vehicle-based or personal)
Motor legal protection
Protected no-claims discount
Guaranteed replacement or courtesy car
Enhanced cover options on higher-tier policies

Extras usually increase the cost of your premium but can add peace of mind.

DriveSure – Churchill’s black box car insurance

Churchill offers DriveSure, a telematics (black box) policy designed mainly for young or new drivers.

How DriveSure works:

A small device monitors driving behaviour such as speed, braking, and acceleration
Safer driving may be rewarded with lower premiums
Includes features like theft tracking and mileage monitoring

Telematics insurance can be a cost-effective option for drivers willing to demonstrate safe driving habits.

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Who is Churchill car insurance best for?

Churchill may be a good choice if you:

Want a well-established UK insurer
Prefer comprehensive policies with optional add-ons
Value strong claims support and brand reliability
Are looking for black box insurance for a young or new driver

Who may want to compare alternatives?

You may want to compare other insurers if you:

Are looking for the cheapest possible premium
Need short-term or temporary car insurance
Require specialist cover (e.g. high-risk, unusual vehicles)
Want ultra-flexible monthly options

Comparing multiple providers helps ensure you’re not overpaying.

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Making a car insurance claim with Churchill

If you need to make a claim on your Churchill car insurance policy, support is available through Churchill’s claims service.

Typical steps may include:

Reporting the incident as soon as possible
Providing details of all parties involved, including any uninsured driver
Supplying supporting evidence such as photos, documents, or a crime reference number where applicable
Following guidance from Churchill’s claims team throughout the process

Claims handling times can vary depending on the type of claim and its complexity. Always refer to your policy documents for full claims information and any applicable legal cover or motor legal cover.

Tips to reduce your car insurance premium

Whether you choose Churchill or another insurer, these steps may help lower costs:

Increase your voluntary excess
Pay annually instead of monthly
Build and protect your no-claims discount
Reduce mileage where possible
Improve vehicle security
Add an experienced named driver (where appropriate)
Consider telematics insurance if eligible

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How do Churchill car insurance prices compare?

Churchill car insurance prices can be competitive for drivers seeking comprehensive cover with optional add-ons, but premiums vary depending on individual circumstances such as age, driving history, location, and vehicle type.

Because Churchill often sells policies directly, it may not always appear on every comparison site. This makes it especially important to compare Churchill against a wide panel of insurers to see how its prices and cover levels stack up against alternatives.

Comparing multiple providers helps ensure you’re getting the right balance of cover, service, and price for your needs.

Compare Churchill car insurance quotes

Churchill does not always appear on every comparison site, which is why it’s important to compare across a wide panel of insurers.

With Free Price Compare, you can:

Compare quotes from Churchill alternatives
Review cover features side-by-side
Choose a policy based on value, not just price

FAQs About Churchill Car Insurance

Yes. Churchill provides online quotes directly, and you can also compare alternatives using Free Price Compare.

Yes. Churchill offers multi-car discounts when insuring more than one vehicle under the same account.

Breakdown cover is not usually included as standard but can be added as an optional extra.

Yes. Churchill offers cover for electric and hybrid vehicles, with policies adapted to modern car technology.

Yes. Churchill is authorised and regulated by the Financial Conduct Authority.

Churchill provides customer service support for car insurance through its website, online account area, and dedicated claims and customer service teams.

Policyholders can typically:

Manage their car insurance policy online
Contact customer service via Churchill’s official website
Make a claim using Churchill’s 24/7 claims service

Contact options and availability may vary, so it’s best to check Churchill’s website for the most up-to-date information.

Churchill is generally considered a reliable UK car insurance provider, known for offering comprehensive cover options and strong claims support. As part of the Direct Line Group, Churchill benefits from established infrastructure and customer service processes. However, whether it is the right choice depends on your individual needs, budget, and the level of cover you require, which is why comparing policies is recommended.

If you have comprehensive cover with Churchill, you may be covered if you’re involved in an accident caused by an uninsured driver, depending on the circumstances and policy terms. Cover details can vary, so it’s important to check your policy wording to understand how uninsured driver incidents are handled.

Yes. Churchill allows customers to manage their car insurance policy online through their account area. This typically includes viewing documents, updating personal details, and accessing policy information. Some features may also be available via Churchill’s app, where applicable.

Churchill car insurance policies may include a courtesy car while your vehicle is being repaired, subject to availability and policy terms. Guaranteed courtesy or replacement car options may be available as optional extras on certain policies.

Legal cover is not always included as standard with Churchill car insurance but can usually be added as an optional extra. Motor legal cover can help with uninsured losses and legal costs following a non-fault accident, subject to policy terms.

Churchill may be suitable for young or new drivers, particularly through its DriveSure telematics (black box) insurance. Telematics policies can reward safer driving behaviour and may help reduce premiums over time, depending on driving habits.

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Who are Churchill?

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