Churchill car insurance review

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

Churchill has three car insurance policies: its standard Comprehensive policy, Comprehensive Plus and Essentials. Essentials is only available through comparison websites.

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

Churchill insures drivers between the ages of 16 and 110.

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.

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Does Churchill offer the best car insurance?

Here's how Churchill scored in our latest survey:

• 66% customer score – joint 7th out of 19 companies compared
• 60% policy score on its standard policy (Churchill Comprehensive) – 18th out of 31 providers we reviewed
• 62% claims score – joint 12th out of 19 insurers rated by customers

See how this compares with the best car insurance.

What does Churchill car insurance offer?

How good are Churchill's car insurance policies?

Churchill's standard policy (Churchill Comprehensive) got a score of 60%, just below the average (61%) in our analysis.

Churchill's policies don't have a cancellation fee if you change your mind and switch during the cooling-off period (around half of insurers do charge fees). It also provides £1,000 cover for stolen, damaged or lost car keys as standard. 

We were less impressed by the relatively high cancellation fee of £54 if you cancel after the cooling-off period. Courtesy car provision comes as standard with the policy. However, you'll need to pay extra for a guarantee that the car will be available during repairs – and also for use of a courtesy car if yours is stolen or written off.  

Vandalism promise

If your car is vandalised and you have a crime reference number from the police, you won't lose your no-claims discount when you make a claim. 

Churchill Comprehensive vs Churchill Comprehensive Plus and Churchill Essentials

The premium Churchill Comprehensive Plus policy earned 64%, higher than the standard Comprehensive policy, and placing it in the top 40% of the 76 policies we examined.

The more basic Churchill Essentials policy scored a poor 48% – far less than the standard policy, and one of the five lowest scorers in our analysis.

How did customers rate Churchill's car insurance?

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

When survey respondents fed back about their overall experience, Churchill received an average 66% score, placing it seventh (out of 19) in our ranking. 

Policyholder feedback was similar – if marginally poorer – when asked about how their most recent claim was handled. Churchill earned a claims score of 62%, placing it 12th out of 19.  

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

With the Comprehensive policy, motor legal protection comes as standard if you're buying through a comparison site, but it's an optional extra if you buy direct on Churchill's website or by phone.

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

Above information correct as of December 2024.

How does Churchill compare with other providers?

Churchill achieved a 66% customer score and a 62% claims score - solid but not standout. 

It ranks behind providers like Direct Line, Aviva and LV, which scored higher in both categories.

Churchill: How can I claim?

To make a claim with Churchill car insurance, call 0345 878 6261 or start a claim online.

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

Churchill: FAQs

Who owns Churchill Insurance?

Churchill Insurance is part of Direct Line Group. However, Direct Line Group was purchased by Aviva in late 2024 – with the takeover expected to be complete in mid-2025.

How can I cancel Churchill car insurance?

The easiest way to cancel your policy is to call its customer service number on 0345 301 4835. Churchill's lines are open from Monday to Friday from 8am-9pm, on Saturdays, 9am-5pm on Saturdays, and 9am-4pm on Sundays. You can also cancel by webchat via its website. 

Does Churchill do multi-car insurance?

Yes. After you've insured your first car with Churchill, you can add more to the policy (up to 10) and will benefit from a multi-car discount for each additional car insured.

Find out how Churchill rates for other products

• Churchill home insurance review
• Churchill dog insurance review
• Churchill cat insurance review
• Churchill travel insurance review