Churchill car insurance

Learn more about Churchill car insurance

Churchill car insurance logo

Last reviewed 23 August 2022

Why choose Churchill car insurance?

  • Choice of three policy options
  • Uninsured driver promise
  • 24-hour accident claims phone support

With Churchill insurance you can choose the level of cover you need. There are three flexible policy options, plus a range of add-ons available, including legal cover and insurance while you’re out of the country. They also offer helpful extras such as £100 to cover travel expenses if you’re unable to drive your car.

Churchill also offers an uninsured driver promise with their comprehensive car insurance policies. This means that, if you have an accident with an uninsured driver and it is not your fault, you can keep your no-claims bonus and the excess on your claim will be covered.

Your no-claims bonus is also protected if your car is vandalised, as part of the vandalism promise. Your car will be repaired, and if you go to one of Churchill’s recommended garages, you’ll also get your motor cleaned inside and out at the same time.

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Who is Churchill?

Churchill is one of the most recognisable brands in the UK, thanks to the friendly bulldog mascot, Churchie. He fronts most of the insurer’s adverts on TV, radio, and everywhere else.

In 2019, the Winston Churchill-inspired pooch had a makeover as the brand was given a new look to try and attract a younger customer base. He changed from a nodding-dog mascot to one created with CGI that encouraged people to ‘Chur-chill’ while skateboarding down a street. The aim was to make the company look a bit more modern.

Churchill was founded back in 1989 Churchill by businessman Martin Long as a car insurance business. A few years later, the company added home insurance to its portfolio. Today, it sells a range of other services including pet, life, and landlord insurance.

After a brief spell being owned by the Royal Bank of Scotland Group in 2003, Churchill left the bank in 2012. The insurer now sits under the Direct Line Group, along with the insurers Direct Line and Privilege and the breakdown provider Green Flag.

All policies are underwritten by UK Insurance Limited and the head offices are in Bromley.

All of the Direct Line group brands, including Churchill, have just over 4 million car insurance policies currently in place. They also had 9,000 members of staff working from home during the coronavirus pandemic.

Churchill car insurance policy details

With Churchill insurance you have the option of ‘third-party, fire and theft’, ‘comprehensive’ or ‘comprehensive plus’ insurance.

Third-party, fire and theft is the most basic, and cheapest, and it does what it says on the tin. It covers you if a third party makes a claim against you for injury, any claims for damage to the third party or their vehicle, or if your car is stolen or damaged through fire.

Comprehensive is the next option, which gives more cover. You’ll also get cover for any accidental damage to your car, including child car seat replacement, misfuelling, and lost car keys. Your windscreen will also be covered and you’ll get personal benefits including cover for belongings in your car, and medical and hotel expenses.

With both of these options you can pay to add on extra features including legal cover, no-claims discount protection, guaranteed car hire, and breakdown cover.

Comprehensive plus is the top-level policy. It includes all of the features mentioned here as well a range of extras. These include being able to use your car abroad for 90 days a year, new car cover, and higher limits on the amount of cover you’re given.

The price of your policy depends on lots of factors, including where you live, your profession, the type of car you have, and your own driving experience. When you apply for a quote all of these, and many more, factors are taken into consideration before a price is calculated.

However, the cost of the most basic policy isn’t always cheaper, the top-of-the-range option can sometimes cost less.

Therefore, it’s always worth comparing the cost of car insurance. Look at the different levels of cover from different insurers to make sure you are buying the right car insurance policy for you at the right price.

Churchill also sells insurance specifically for young drivers. This uses telematics technology or GPS in this case, which records how a car is being driven. It could mean if the car is consistently driven well a discount could be offered. This is especially helpful for young drivers as they have the most expensive premiums on average.

Churchill offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.

Contact Churchill

For queries regarding car insurance, you can contact Churchill customer service on 0345 603 3551.

If you have a question about a claim, it’s 0345 878 6261, 0345 246 2408 for the motor legal helpline, 0800 328 9150 for windscreen claims, and if it’s about anything else the number is 0345 877 6680.

You can also use the virtual assistant on the website for help.

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