Churchill customers say:
"Once I had worked my way through the online information it was pretty straight forward and easy to complete and get insured."
Gillian - (June 2023)
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.
Churchill policy extras
There are a range of extras that you can add to your car insurance policy for an additional cost. Some of these may be included as standard, depending on the policy level you choose. They're worth considering if they aren’t already included in your cover:
- Breakdown cover
- No claims discount protection
- Motor legal cover
- Guaranteed hire car plus
Churchill offer 4 levels of breakdown cover which is provided through Green Flag.
Protect your no claims discount if you have 4 or more years of no claims.
Motor legal cover or motor legal protection is included with comprehensive cover. It can cover you for up to £100,000 in legal costs following an accident that was not your fault.
Guaranteed Hire car plus is included with comprehensive cover. They'll arrange another car to be sent to you if yours is damaged in an accident or stolen.
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