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What You Need to Know

  • Churchill's been in the UK insurance game since 1989
  • Part of Direct Line Group, a top insurance provider
  • Regulated by the FCA, so you're in safe hands
  • Rated 4.2 out of 5 on Trustpilot by over 12,000 customers as of April 2024
  • Offers fully-loaded comprehensive policies with extra options
  • Ranked 6th out of 61 policies for standard car insurance
  • 5th out of 25 insurers for customer satisfaction
  • 4th out of 25 for handling claims like a pro
What You Need to Know

Churchill's Journey in UK Car Insurance

Churchill burst onto the scene in 1989, quickly becoming a household name in UK motor insurance. Their iconic nodding dog mascot has been a staple of their memorable ad campaigns since 1996. In 2003, they joined forces with Direct Line Group, one of the biggest players in the industry. Throughout their history, Churchill has never wavered from their mission to provide customers with top-quality, comprehensive cover they can depend on.

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Breaking Down Churchill's Levels of Cover

Churchill offers three main levels of cover, so you can choose the right fit for your needs and budget:

Cover Features
Comprehensive Third-party liability, fire and theft protection, accidental damage cover, personal accident benefits, legal expenses<br>Optional extras: breakdown cover, motor legal protection, guaranteed courtesy car, protected no claim discount
Third Party, Fire and Theft Covers damage to other people's vehicles and property, plus fire and theft damage to your own car<br>Meets the legal minimum for UK car insurance
Third Party Only The most basic level of cover, only insuring damage you cause to other people's vehicles and property<br>Doesn't cover repairs to your own vehicle

Churchill Comprehensive Car Insurance in Detail

Let's take a closer look at what's included in Churchill's comprehensive car insurance:

Cover Rating
Fire, theft, and accidental damage excess Varies
Windscreen replacement excess £115
Does a parked car claim affect your NCD? Yes
Windscreen damage limit per claim Market Value / £125
Window damage limit per claim Market Value / £125
Cancellation fee after cooling off £54
Repairs guarantee 5 years
Total loss courtesy car Optional extra
Replacement car - standard As standard
Replacement car guaranteed? Subject to availability
Misfuelling cover Engine damage only
Onward travel limit Not covered
Driving other cars Third party
Driving other cars for emergencies only Yes

All info accurate as of 23 April 2024.

Why Choose Churchill's Comprehensive Plus?

Want even more peace of mind? Check out the extra perks you get with Churchill's Comprehensive Plus:

Cover Rating
Fire, theft, and accidental damage excess Varies
Windscreen replacement excess £115
Does a parked car claim affect your NCD? Yes
Windscreen damage limit per claim Market Value / £125
Window damage limit per claim Market Value / £125
Cancellation fee after cooling off £54
Repairs guarantee 5 years
Total loss courtesy car As standard
Replacement car - standard As standard
Replacement car guaranteed? As standard
Misfuelling cover Engine damage only
Onward travel limit Not covered
Driving other cars Third party
Driving other cars for emergencies only Yes

All info accurate as of 23 April 2024.

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Churchill Essentials: No-Frills Protection

If you're looking for a basic policy that meets the legal requirements and covers you in case of an accident, Churchill Essentials could be the way to go:

Cover Rating
Fire, theft, and accidental damage excess Varies
Windscreen replacement excess £115
Does a parked car claim affect your NCD? Yes
Windscreen damage limit per claim Market Value / £125
Window damage limit per claim Market Value / £125
Cancellation fee after cooling off £54
Repairs guarantee 5 years
Total loss courtesy car Optional extra
Replacement car - standard As standard
Replacement car guaranteed? Subject to availability
Misfuelling cover Not covered
Onward travel limit Not covered
Driving other cars Not covered
Driving other cars for emergencies only Not covered

All info accurate as of 23 April 2024.

DriveSure: Churchill's Black Box Car Insurance for New Drivers

DriveSure: Churchill's Black Box Car Insurance for New Drivers

If you're a new driver or have limited experience behind the wheel, you know how tough it can be to find affordable car insurance. That's where Churchill's DriveSure black box cover comes in.

A small device installed in your car monitors your driving habits, rewarding safe and responsible behaviour with lower premiums. It keeps an eye on things like your speed, braking, acceleration, and the times you're out on the road, giving you personalised feedback to help you improve your skills and become a safer driver.

Plus, with handy features like theft tracking and precise mileage recording, DriveSure gives your car an extra layer of protection. It's a win-win - save money on your insurance premiums while honing your driving skills!

Churchill's Other Insurance Options

Churchill has got you covered beyond just comprehensive car insurance and DriveSure. Take a look at their other policies:

  • Classic car insurance for your vintage pride and joy
  • Electric car insurance for your eco-friendly ride
  • Learner driver insurance for those just starting their driving journey
  • European breakdown cover for stress-free road trips abroad
  • Home insurance (buildings and contents) to protect your castle
  • Pet insurance to keep your furry family members healthy
  • Travel insurance (single trip and annual) for your globetrotting adventures
  • Life insurance (level term, decreasing term, over 50s) for that all-important peace of mind
  • Landlord insurance to safeguard your rental properties

No matter what you need to insure - your home, your pets, your holidays, or your business - Churchill has policies designed to fit your lifestyle.

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Making a Claim with Churchill

If you ever need to make a claim on your motor insurance policy, don't worry - Churchill makes it easy. Just follow these simple steps:

  1. Report the incident: Call Churchill's 24/7 claims line as soon as possible.
  2. Gather details: Collect the contact and insurance info of anyone else involved, as well as names and numbers of any witnesses.
  3. Snap some pics: Take photos of any damage to your vehicle and the other party's, along with any relevant road markings or signs.
  4. Submit your claim: Provide Churchill's team with all the necessary details and documents, and they'll guide you through the next steps.

Thanks to Churchill's efficient claims handling and repair service, you'll be back on the road in no time after an accident.

Tips to Cut Your Car Insurance Costs

While Churchill already offers competitive prices, here are some clever ways to slash your premiums even further:

  • Go for a higher voluntary excess: Agreeing to pay more towards a claim can lower your overall premium.
  • Pay yearly: Settling your premium in one lump sum often snags you a discount compared to monthly instalments.
  • Improve your car's security: Installing approved alarms, immobilisers, and trackers could help reduce your insurance costs.
  • Build up your no claim discount: The longer you go without making a claim, the bigger the discount on your premium.
  • Consider a black box policy: If you're a safe driver, DriveSure can prove it and help you save some cash.
  • Keep your mileage low: Less time on the road means a lower chance of accidents and cheaper insurance.
  • Park somewhere secure: Garaging your car or using a driveway can mean lower premiums than parking on the street.
  • Add experienced named drivers: For young or new drivers, adding an older, more skilled driver to your policy could help balance out the risk and lower costs.
  • Keep your driving licence clean: Points from speeding or other offences can seriously bump up your premiums, so stick to the rules of the road.

What Customers Say About Churchill

Over the years, Churchill has built a solid reputation for exceptional customer service. Churchill talks about their helpful staff, hassle-free claims process, and competitive prices.

On Trustpilot, Churchill boasts an impressive 4.2 star rating out of 5 based on over 12,000 customer reviews. Industry experts are just as impressed, with Defaqto awarding their comprehensive car cover a coveted 5-star rating last year.

These glowing reviews are a testament to Churchill's commitment to delivering top-quality service, comprehensive cover, and the best deals to keep you and your motor safe on the road.

What Customers Say About Churchill

Essential Info About Churchill's Site

Churchill's website uses essential cookies to ensure you have a smooth and personalised browsing experience. These little bits of info allow them to show you relevant content and details about their levels of cover, so you can easily find the right insurance for your wheels.

They also use cookies for their live chat support, which is super handy if you've got an urgent question that needs answering pronto. Churchill's social media, marketing, and analytics cookies help them understand how people like you use their site, so they can keep improving it.

As for your personal information, Churchill keeps it strictly confidential and only uses it to provide you with quotes, set up your policy, and keep you informed about your cover. They won't share it with anyone else without your permission.

When you give Churchill details like your car's make, model, and registration number, it helps them determine which insurance group your vehicle belongs to. This plays a significant role in calculating your premiums, so it's important to be as accurate as possible.

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FAQs

Absolutely! It's quick and easy. Just pop over to their website, fill out a simple form with some basic info about you, your car, and your driving history, and you'll have a personalised quote in no time.

You bet they do! Churchill has a range of discounts to help you save, including a no claim discount for safe drivers, a multi-car discount for insuring more than one vehicle, and a discount for choosing a higher voluntary excess.

If you have comprehensive cover with Churchill and an uninsured driver hits you, you're protected. They'll cover the repair costs for your own vehicle, and your no claims bonus won't be affected. Just keep in mind that you'll still need to pay your excess.

Breakdown cover isn't included as standard, but you can easily add it as an optional extra for an additional fee. Churchill offers both personal and vehicle-based breakdown cover, so you can choose the level of protection that best suits your needs.

DriveSure is Churchill's black box cover designed specifically for young and new drivers. A small device installed in your car monitors your driving habits, such as speed, acceleration, braking, and the times you drive. This information is used to assess your driving skills and determine your premiums, with safe and responsible driving rewarded with lower prices.

It can, depending on the drivers you add. Adding experienced drivers with clean records could potentially lower your premiums, but adding young or inexperienced drivers, or those with claims or convictions, could increase your costs.

Churchill doesn't have any specific rules about driving with pets, but it's essential to ensure your furry friend is secure and not distracting you while you're behind the wheel. If a pet is found to have contributed to an accident, it could impact your claim.

Churchill's online portal and app make managing your policy a breeze. You can view your documents, update your personal details and payment info, and even make a claim - all from your phone or computer. It's never been easier to stay on top of your car insurance!

Churchill may use your information to send you marketing communications about their products and services, but only if you've given them permission to do so. You can opt out at any time by contacting their customer service team or updating your marketing preferences in your online account.

Definitely! Churchill offers fantastic deals on insurance for new cars, with a wide range of optional extras to ensure you have the right level of cover. Whether you've got a sleek electric model or a reliable petrol run around, they'll help you find a policy that fits your needs and budget. It's always worth checking them out when you're shopping for a new set of wheels!

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