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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?

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

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Churchill

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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.

Most important policy elements
Policy element Details Rating
Interest charged on payment by instalments (APR) Subscriber only content Subscriber only content
No fault no claims discount (NCD) benefit? Subscriber only content Subscriber only content
Uninsured driver NCD benefit? Subscriber only content Subscriber only content
Renewal fee Subscriber only content Subscriber only content
NCD protection claims (number per year) Subscriber only content Subscriber only content
Theft of keys limit Subscriber only content Subscriber only content
Fire excess (standard compulsory) Subscriber only content Subscriber only content
Theft excess (standard compulsory) Subscriber only content Subscriber only content
Accidental damage excess (standard compulsory) Subscriber only content Subscriber only content