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Churchill home insurance review

Read Which?'s expert review of Churchill's home insurance policies, find out how we rate Churchill's contents and buildings insurance and how it compares to dozens of other home insurance companies.

In this article
Who is Churchill? What does Churchill home insurance cover? How Which? rates Churchill's home insurance policy Churchill’s home insurance policy: is it good or bad? How did customers rate Churchill's home insurance?
Does Churchill offer different levels of cover?  How much does Churchill's home insurance cost? What is Churchill's claims number? Who underwrites Churchill's home insurance policy? Get top money-saving tips from Which?

Who is Churchill?

Churchill is a UK-based insurance company, famed for its grinning bulldog mascot. Since 1990 it's offered home insurance and has now broadened its product range to include car insurance, travel insurance and pet insurance.

The insurer is actually part of the Direct Line group, which also includes Privilege, Direct Line and Green Flag. 

What does Churchill home insurance cover?

The information below gives an at-glance view of the key things that Churchill's home insurance covers as standard.

Elements marked with a are covered as standard and those marked with a are not covered as standard. However, these can be added to a policy as optional extras for an additional cost.

 

 24 hour (emergency) helpline

 

Allows you to call a 24-hour helpline for assistance in the case of a home emergency.

 

 Loss and theft of keys

 

Loss and theft of keys will cover the cost of replacing your keys if they are ever lost or stolen.

 

 

 Garden Cover

 

Garden cover protects against damage to items in your garden including plants and garden furniture

 

✘ Home emergency

 

Home emergency cover provides assistance of central heating, electrical emergencies, plumbing or draining issues.

 

✘ Accidental damage

 

Accidental damage protects against sudden and unconventional physical damage to the structure of your property as well as your furniture and belongings.

 

✘ Burst pipes

 

Covers the cost of repairing burst pipes in your property.

 

 Legal expenses

 

Legal expenses cover the cost of legal expenses should you need to pursue legal action against another party.

 

 Personal possessions

 

Personal possessions cover protects your portable belongings while you’re outside of your property.

How Which? rates Churchill's home insurance policy

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.

We also analyse and rate 60 different elements of contents and buildings insurance to create policy scores, helping you judge the quality of your cover - and how an insurer compares to its peers.

We combine this into an overall score to highlight the insurers that offer great cover and service

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Home And Mobile 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 25% each of Buildings and Contents policy scores.
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.
Buildings policy score
%
Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
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Churchill’s home insurance policy: is it good or bad?

In February 2019, we analysed and rated 60 of the most important elements of standard home insurance policies to come up with the overall policy score.

We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. Each element is given a star rating, out of five.

Overall, 47 out of the 60 elements policy elements we analysed in Churchill's home insurance earned a 3-star rating or higher.

The majority of Churchill's policy elements (26) were given a full 5-star rating and 21 got a 3-star rating which indicates an above average level of cover. 

Best parts of Churchill's home insurance policy

We’ve identified three standout features in Churchill’s home insurance policy:

  • No renewal fee, which got a full 5-star rating
  • Up to £5,000 for business/office equipment, which earned 5 stars
  • Home removal insurance included as standard, which we scored 5 stars

Worst parts of Churchill's home insurance policy

We've identified three features in Churchill's home insurance policy which scored poorly:

  • A minimum excess of £100, which only earned 1 out of 5 stars
  • Variable APR on monthly payments, which scored 2 stars
  • Up to £1,000 cover for belongings not kept in your home, which got 2 stars

In detail: every part of Churchill's home insurance rated  

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Table last updated in February 2019. Next updated in February 2020.

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out detail Logged out padlock Buildings and contents
Renewal fee (£) Logged out detail Logged out padlock Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Home emergency cover (£) Logged out detail Logged out padlock Buildings and contents
Owner's / Occupier's liability (£) Logged out detail Logged out padlock Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Subsidence - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Alternative accommodation (£) Logged out detail Logged out padlock Buildings only
Burst pipes - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Single item limit for valuables - max limit (£) Logged out detail Logged out padlock Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out detail Logged out padlock Contents only
Contents in outbuildings - including garages (£) Logged out detail Logged out padlock Contents only
Theft from outbuildings (£) Logged out detail Logged out padlock Contents only
Personal Possessions - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Personal Possessions limit within a car (£) Logged out detail Logged out padlock Contents only
Bicycles - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Mobile phones (away from home) - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Does mobile phone cover include calls? Logged out detail Logged out padlock Contents only

To see how Churchill's home insurance compares to other policies check out our guide on the best and worst home insurance.

How did customers rate Churchill's home insurance?

As well as looking at how Churchill's home insurance policy stacks up against others, we've also analysed how customers feel it too.

Which?'s rating for customer satisfaction is 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.

Overall, Churchill's home insurance scored 68% for customer satisfaction, placing it 23rd out of the 34 home insurers we looked at.

Customers scored Churchill's 'clarity of policy' the highest, giving it four stars out of five. The transparency of AA's charges and penalties was scored the lowest by customers and only received two stars.

The table below shows how Churchill home insurance scored for eight elements of customer satisfaction.

Customer satisfaction element Which? Customer rating
Applications process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Transparency of charges/penalties Logged out padlock
Dealing with complaints Logged out padlock
Experience of making a claim Logged out padlock
Value for money Logged out padlock

Does Churchill offer different levels of cover? 

The scores shown in this review relate to Churchill's standard home insurance policy. If you would like to take out home insurance with Churchill but need more cover, you could opt for Churchill Plus policy.

This policy offers:

  • Home emergency cover as standard
  • Accidental damage cover as standard
  • Personal possessions cover as standard

Due to the increased level of cover, the Churchill Plus policy is likely to be more expensive than its standard home insurance policy.

How much does Churchill's home insurance cost?

Your contents insurance and buildings insurance will be priced based on your own personal circumstances, where you live and the type of property and contents you own.

Churchill allows you to gather quotes on its own website at www.churchill.com/home/quote/your-home.

But you can also compare Churchill's home insurance on the following price comparison sites explained:

  • Comparethemarket.com
  • Moneysupermarket.com

Check out our guide for more information on how add-ons, fees, and charges affect the price of your home insurance.

What is Churchill's claims number?

If you need to make a claim with Churchill's home insurance call 0345 603 3590.

According to Churchill, you'll be asked about the details of your claim e.g. what happened, when and where it happened, and what action you've taken so far.

The acid test of any home insurance provider is how it handles your claim. In January 2019, Which? surveyed 1,456 members of the general public about their experiences using a major home insurance provider.

Churchill scored 79%, placing it 3rd out of 21 home insurers. It scored four stars for its 'clarity of policy' and three stars for 'how they communicate on claim progress.'

Find out how it compared to other insurers on or guide making a home insurance claim.

Who underwrites Churchill's home insurance policy?

Churchill's home insurance policies are underwritten by UK Insurance. 

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