Churchill car insurance review

Launched in 1989, Churchill was one of the UK's first direct car insurers. Its policies are underwritten by UK Insurance. 

Churchill offers car, home, pet and travel insurance. It's part of Direct Line Group, which also includes Direct Line, Privilege and Green Flag. 

We've reviewed three of its car insurance policies: standard Comprehensive, Comprehensive Plus and Essentials. All three are available to buy on comparison websites. Only Comprehensive and Comprehensive Plus can be bought directly. We've also surveyed 117 Churchill customers who've claimed on its policies.

Churchill insures drivers between the ages of 17 and 84.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Does Churchill offer the best car insurance?

See how this compares with the best car insurance, or read more about how we rate car insurance.

What does Churchill car insurance offer?

We reviewed three Churchill policies. Select a policy from our table to see what it offers and what we scored it.

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'A high number of complaints gave us cause for concern'

Dean Sobers, Which? car insurance expert, says:

Churchill’s premium Comprehensive Plus policy earned 66%, which put it in the top 40% of policies we rated. Its low rankings in our customer score tables and a high rate (10-15%) of complaints from claimants meant its policies lost out on Best Buy status.

We liked that the Comprehensive Plus policy's personal belongings cover protects most things you’re likely to have lying around in your car – from pushchairs to laptops, phones and tablets. It also provides a hire car for up to 21 days if your car is written off or stolen. This is often an optional extra.

On the downside, we thought its compulsory excess (£200) was a little high and its motor legal protection of £100,000 leaves certain out things other policies include, such as costs suffered because your licence plate was cloned.

Vandalism cover

With around half of the policies we examined, making a claim to repair damage caused by vandalism will count as a ‘fault’ claim - and will impact your no-claims discount.

With Churchill’s policies, so long as you’ve reported the incident to the police and obtained a crime number, your NCD will be protected.

Comprehensive and Essential

Churchill’s two other policies – Comprehensive and Essential – earned 63% and 52% respectively, and are both in the bottom half of our table.

How did customers rate Churchill's car insurance?

We asked Churchill customers who have recently made a claim how they felt about their car insurance.

Churchill earned a customer score of 72%, which places it second last in our customer satisfaction table. It scored 71% when assessed specifically for its claims service (joint 12th out of 14). The average customer and claims scores were 76% and 75%.

One unhappy customer said Churchill had 'poor communication', while another felt 'it took ages to resolve an issue'. However, there was much praise for the 'friendly staff'.

Here's how customers rated Churchill in various areas of service:

How can you save money on Churchill car insurance?

Comprehensive and Comprehensive Plus are both available direct from Churchill and through comparison sites, but they're cheaper through comparison sites, on average. 

Essentials is exclusively available on comparison sites. All can be bought on the following sites:

• Compare the Market
• Confused.com
• Go.Compare
• MoneySuperMarket

Churchill provides discounts if you're insuring more than one vehicle (known as multi-car insurance) or buying car and home insurance together.

The above information is correct as of December 2025.

How does Churchill compare with other providers?

Churchill's customer score of 72% placed it 11th out of 12 in our customer satisfaction table, slightly behind Hastings Direct (73%). 

Its claims score of 71% landed it in joint 12th (out of 14), alongside Hastings Direct. Allianz sits above with a score of 73%. 

With a policy score of 66%, Churchill's premium Comprehensive Plus is just under Allianz's Silver policy, Direct Line's Premium Online and Comprehensive policies and Moja standard car insurance. These each earned 67%. 

Churchill's Comprehensive policy scored 63%, whereas its Essentials cover only scored 52%.

Churchill: how can I claim?

To make a claim with Churchill car insurance, call 0345 603 3590 or start a claim online.

• Find out more: is it worth claiming on your car insurance?

Should you buy Churchill car insurance?

Possibly. If the price is right, the premium Comprehensive Plus policy affords decent cover on paper, but we can’t vouch for its service.

How we rate car insurance

Find out how Churchill rates for other products

• Churchill home insurance review