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Churchill home insurance review

Read Which?'s expert review of Churchill's home insurance policy and how it compares to dozens of other home insurance companies.

In this article
Churchill home insurance overview Does Churchill offer the best home insurance? Churchill's Home insurance policy: is it good or bad? Does Churchill offer different levels of cover?
How did customers rate Churchill's home insurance? What is Churchill's claims number? Get top money-saving tips from Which?

Churchill home insurance overview

Churchill is a UK-based insurance company, famed for its grinning bulldog mascot. Since 1990 it has 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, and it home insurance is underwritten by U K Insurance Ltd.

Does Churchill offer the best home insurance?

Here's how Churchill scored in our latest home insurance survey:

 

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 48 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 67 features of its cover to calculate the policy score.
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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse home insurance

 

We analyse and rate 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

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 Home 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.

Members can log in to read our full policy analysis. If you're not already a member, you can sign up to a one month trial of Which? Money for just £1 to access this review and thousands of others.

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

Weighting Policy element Details Rating
Most important Maximum sum insured (£) Logged out detail Logged out padlock
Most important Alternative accommodation (£) Logged out detail Logged out padlock
Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
Most important Repairs guarantee Logged out detail Logged out padlock
Other Unoccupancy period Logged out detail Logged out padlock
Most important Trace and access  (£) Logged out detail Logged out padlock
Most important Burst pipes - included? Logged out detail Logged out padlock
Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
Secondary Subsidence - included? Logged out detail Logged out padlock
Secondary Damage to underground services - included? Logged out detail Logged out padlock
Secondary Flood and storm damage - included? Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
Secondary Storm damage to fences - included? Logged out detail Logged out padlock
Other Theft of keys - included? Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys - included? Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

Table last updated in March 2020. Next update in February 2021.

Does Churchill offer different levels of cover?

Churchill also offers Home Plus, which features a higher level of cover that will generally cost more to purchase.

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 asked Churchill customers who've claimed to give us their views.

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, you can sign up to a one month trial of Which? Money for just £1 to access this review and thousands of others.

How Churchill's home insurance scored for seven elements of customer satisfaction

Customer satisfaction element Which? customer rating
Application 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
Treatment of longstanding customers Logged out padlock
Dealing with complaints Logged out padlock
Value for money Logged out padlock

Table last updated in March 2020. Next update in February 2021.

"-' represents where we have insufficient sample size (less than 30) to generate a star rating

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.

Find out more about claiming successfully in our guide to making a home insurance claim.

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