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Churchill Car Insurance Review – Forbes Advisor UK

Who is Churchill?

Churchill Insurance was founded in 1989 and was one of the car insurance providers to be available directly to the customer. In addition to car insurance, Churchill offers home, travel, van and pet insurance, together with breakdown cover. Churchill is perhaps best known for its nodding bulldog mascot.

Churchill was acquired by the Royal Bank of Scotland Group in 2003, before becoming part of the Direct Line Group in 2012. It has offices in Bromley and Peterborough.

Churchill’s insurance policies are underwritten by UK Insurance Limited, which is authorized by the Prudential Regulation Authority (PRA) and regulated by the PRA and the Financial Conduct Authority (FCA).

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Choose from a range of policy options for affordable cover, that suits you and your car.

Why should I consider Churchill?

Churchill offers three main types of car insurance policy: third party, fire and theft, comprehensive and comprehensive plus.

Both comprehensive policies offer the following cover as standard: fire and theft, accidental damage, courtesy car, in-car entertainment equipment, lost or stolen keys, vandalism, misfuelling, personal accident, personal belongings and medical expenses.

Third party, fire and theft excludes accidental damage to your car, theft of car keys, windscreen damage, personal accident and personal belongings cover and a courtesy car.

Green Flag breakdown cover (with optional European cover), no claim discount protection, motor legal cover and guaranteed hire car plus can also be added to policies for an additional cost if they are not already included in your policy.

Churchill offers specialist car insurance for young drivers based on a telematics phone-based app which offers a discount at renewal for ‘safe’ driving.

Churchill also offers a multi-car discount for up to 10 vehicles, including the option to keep separate renewal dates. The other policyholders can be family members or friends, provided they live at the same address.

Finally, Churchill car insurance has been awarded a five-star rating by Defaqto.

How to contact Churchill

Customers with car insurance queries can contact Churchill by phone between 8am and 9pm Monday to Friday, 9am to 5pm on Saturdays and bank holidays, and 9am to 4pm on Sundays. Alternatively, customers can use the live chat feature on the website.

Existing customers can log into their account online to view and manage their policy.

Alternatively, Churchill can be found on Twitter as @Churchill and on Facebook.

How to find the best cover for you

When comparing car insurance policies, price will be one of the most important factors to consider. But price should be considered in conjunction with the level of cover. Choosing the cheapest policy available won’t necessarily provide adequate coverage and may put you at risk of being underinsured.

Always compare the level of cover of each policy to see what is included as standard and what is a paid-for extra. It’s worth obtaining several quotes and choosing different add-ons to ensure you have the most competitive price.

Choosing a more expensive policy with a higher level of cover can be more cost-effective in the long run if you need to make a claim.

Why it makes sense to compare policies and providers

Car insurance providers traditionally offered their most competitive deals to new customers, while existing customers have often paid higher rates.

However, under new rules introduced by the FCA in January 2022, car (and home) insurance companies can no longer charge existing customers at a higher renewal price than new customers for the equivalent policy.

Despite this, it is still best to shop around for your car insurance each year to make sure you continue to get the right level of cover at the best price.

It is also worth looking for customer reviews on sites such as Trustpilot to see how existing policyholders rate their cover and customer service. Defaqto also gives star ratings to car insurance providers which can give you a good indication of the service they offer.

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