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, along with Direct Line and Privilege.
Its policy is underwritten by U K Insurance Ltd.
- Read our reviews of all the insurers who took part in our car insurance analysis
What does Churchill car insurance cover?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Courtesy car
Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim
✓ Personal accident
Covers the policyholder and passengers if they are injured in an accident
✓ Stolen keys cover
Covers the cost of replacing keys and locks in the event that your car keys are stolen
£ NCD protection
Allows the policyholder to make a specified number of claims over a period without affecting their no claims discount
£ Motor legal protection
Covers legal expenses for legal action you may take as the result of an accident
✘ Lost keys cover
Covers the cost of replacing keys and locks in the event that your car keys are lost
Does Churchill offer the best car insurance?
Here's how Churchill scored in our latest car insurance survey:
To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse car insurance
We analyse and rate 73 key 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.
Churchill's car insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of Churchill's car insurance rated
Table last updated in March 2020. Next update in January 2021.
To see how Churchill's car insurance compares to other policies check out our guide on the best and worst car insurance.
How did customers rate Churchill's car insurance?
As well as looking at how Churchill's car insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.
How Churchill's car insurance scored for seven elements of customer satisfaction.
What is Churchill's car insurance claims number?
To make a claim with Churchill car insurance, call 0345 603 3590.
- Find out more: is it worth claiming on your car insurance?
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