Churchill car insurance

Famous for its nodding bulldog mascot, and his infamous catchphrase, Churchill is one of Britain’s leading car insurance providers.

Key points
Churchill is more than just a nodding dog mascot: its motor insurance has a 5-star rating from Defaqto
It offers two tiers of cover: third party, fire and theft, and comprehensive cover. Churchill also offers black box policies, and a multi-car discount
Its customers tend to rate the brand highly
Could Churchill be the right car insurance provider for you?

Churchill car insurance
Founded in 1989, Churchill was one of Britain’s first direct car insurance companies. It’s since expanded to offer a variety of products such as home and pet insurance.

Its car insurance has a 5-star rating from independent financial review service Defaqto, indicating a high-quality service.

Churchill provides several different types of car insurance, including comprehensive and third party, fire, and theft cover, black box cover, and multi-car policies.

Getting a quote from Churchill
Churchill offers two tiers of cover for car insurance. The first is third party, fire, and theft (TPFT), which will cover you in the event that someone makes a claim against you. You’ll also be covered if your car is stolen, or damaged by fire.

However, if you have an accident, you won’t be covered for the cost of repairs — regardless of fault.

The second tier, which offers more wide-ranging protection, is comprehensive cover. With comprehensive cover, you’ll be covered for the cost of repairs in the event of an accident, regardless of fault. You may even be covered for any medical expenses following an accident.

Multi-car policies
Churchill also offers a multi-car discount, with which you can insure a maximum of 10 vehicles. Every person in your household that owns a vehicle can be insured.

Linking all the vehicles together will give everyone a discount on their policy, and the renewal dates will all be kept separate for the sake of your wallet.

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Even better, your no claims bonus won’t be affected if another vehicle in the household is involved in an accident.

Black box insurance
In addition, Churchill also offers ‘telematics’ insurance, or black box insurance.

The little black box is plugged into your car, and analyses the way you drive to help tailor your renewal quote to you.

If you’re a new driver under 25, this particular policy could be a great help in saving money on your insurance.

We can compare Churchill’s car insurance policies against other insurance providers to help you find the right one for you.

Rave reviews for Churchill car insurance?
Defaqto has given Churchill car insurance a 5-star rating. Given that Defaqto is a completely independent financial services reviewer, it’s fair to trust its judgment in doing so.

The customers themselves also seem to be very happy with Churchill’s service. On independent customer review site reviews.co.uk, in February 2018, far more customers have left five-star reviews than one-star reviews.

It would certainly seem Churchill knows how to keep its customers happy!

How to cancel Churchill car insurance
If you cancel your policy within fourteen days of purchase, Churchill will refund any premium paid, minus a fee based on the number of days covered.

See also:
Beginners guide to car insurance
Optional extras for car insurance
Pros and cons of telematics
So, if you cancel on the 12th day, you’ll be charged a fee for those 12 days.

If you cancel after 14 days, that same fee still applies, but is supplemented by an administrative fee of for car insurance. This is usually over £50.

It’s worth checking the terms and conditions of your policy to make sure there aren’t any other charges you may be
Why choose Churchill car insurance?
24-hour accident claims telephone number for when you need it most
Protected no claims discount if you are hit by an uninsured driver to keep your car insurance premium down
Up to 80% no claims bonus for 8 years or more no claims bonus
Churchill car insurance: facts
Founded in 1989, Churchill was one of the UK’s first direct insurers and has been insuring cars for 24 years
Churchill is a UK-based company with a 24-hour helpline open 7 days a week
New replacement car in case of an accident if your car is under 12 months old and you are the first owner and registered keeper
Churchill car insurance is a name you can trust when you want to compare car insurance. As one of the first and biggest direct insurers, all Churchill policyholders enjoy a range of benefits for extra peace of mind. Repairs are guaranteed for 5 years if you use an approved repairer and each named driver can build their own no claims discount for use on their very own Churchill policy.

The famous Churchill dog mascot has been busy entertaining customers over the years:

Churchill has performed in over 22 pantomimes
He completed a summer stint at Pontins in 2010
The Churchill dog also holds the Guiness World Record for the ‘Most amount of signatures on a Greeting Card’, beating Spiderman, who was also competing for the record.
Churchill car insurance overview
Launched in 1989, Churchill was one of the UK’s first direct car insurers. It now offers a range of general insurance products and is part of the Direct Line Group.

Churchill car insurance received a laudable 72% score for its policy. Tenth overall in our table, the insurer’s middling Customer Score (61%) left it short of Which? Recommended Provider status.

What you need to know about Churchill’s car insurance:

Unlimited cover on windscreens, windows and sunroofs
No claims discount unaffected in a no-fault or uninsured driver claim
Total loss courtesy car
Members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.
Churchill’s car insurance policy: is it good or bad?
We analyse and rate the 53 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

Table last updated in January 2018. Next updated in July 2018.