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Churchill car insurance review

Read Which?'s expert review of Churchill car insurance. Find out how we rate Churchill's car insurance policy against 30 other providers.

In this article
Churchill car insurance overview Churchill's car insurance policy: is it good or bad?
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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.

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 as standard

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Car Insurance
Churchill review
Overall Which? score
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score.
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Churchill's car insurance policy: is it good or bad?

We analyse and rate the 58 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 2019. Next updated in January 2020.

Policy element Details Rating
Interest charged on payment by instalments (APR) Logged out detail Logged out stars
No fault no claims discount (NCD) benefit? Logged out detail Logged out stars
Uninsured driver NCD benefit? Logged out detail Logged out stars
Renewal fee Logged out detail Logged out stars
NCD protection claims (number per year) Logged out detail Logged out stars
Theft of keys limit Logged out detail Logged out stars
Fire excess (standard compulsory) Logged out detail Logged out stars
Theft excess (standard compulsory) Logged out detail Logged out stars
Accidental damage excess (standard compulsory) Logged out detail Logged out stars

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