Churchill Insurance was founded in 1989 and offers a range of general insurance products. Its policies are underwritten by UK Insurance or Legal & General for life insurance.
Since 2012, Churchill is part of the Direct Line Group, which is listed on the London Stock Exchange and on the FTSE 250 Index.
Its headquarters are based in Bromley, UK.
Churchill is notable for its advertising that features a talking nodding dog mascot, which was also its logo up until October 2019.
We don't get paid for any links on our site.
| Customer happiness score | 65.27% |
|---|---|
| Customer trust score | 59.19% |
| Complaints performance | 77.05% |
| Transparency rating | 75.72% |
| Fairer Finance score Reviewed Autumn 2023 |
69% |
| Customer happiness score | 62.23% |
|---|---|
| Customer trust score | 64.42% |
| Complaints performance | 77.11% |
| Transparency rating | 72.69% |
| Fairer Finance score Reviewed Autumn 2023 |
69% |
| Customer happiness score | 62.54% |
|---|---|
| Customer trust score | 59.09% |
| Complaints performance | 77.05% |
| Transparency rating | 81.75% |
| Fairer Finance score Reviewed Autumn 2023 |
70% |
| Claims score | 85.50% |
|---|---|
| Complaints performance | 86.81% |
| Transparency rating | 60.59% |
| Fairer Finance score Reviewed Autumn 2023 |
78% |
| Customer happiness score | 61.04% |
|---|---|
| Customer trust score | 64.41% |
| Complaints performance | 77.05% |
| Transparency rating | 77.58% |
| Fairer Finance score Reviewed Autumn 2023 |
70% |
| Customer happiness score | 52.68% |
|---|---|
| Customer trust score | 55.13% |
| Complaints performance | 77.05% |
| Transparency rating | 65.11% |
| Fairer Finance score Reviewed Autumn 2023 |
62% |
| Cover limit for lost keys i | £1,000.00 |
|---|---|
| Courtesy car for duration of repair i | |
| Uninsured driver promise i | |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Windscreen repair excess i | £25.00 |
| Windscreen replacement excess i | £115.00 |
| Repairs guarantee (years) i | 5 years |
| New car replacement i | |
| Cover limit for stolen keys i | £1,000.00 |
| 24hr helpline available i | |
| Courtesy car provided if stolen / total loss i | |
| Vandalism i |
| Cover limit for lost keys i | £1,000.00 |
|---|---|
| Courtesy car for duration of repair i | |
| Uninsured driver promise i | |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Windscreen repair excess i | £25.00 |
| Windscreen replacement excess i | £115.00 |
| Repairs guarantee (years) i | 5 years |
| New car replacement i | |
| Cover limit for stolen keys i | £1,000.00 |
| 24hr helpline available i | |
| Courtesy car provided if stolen / total loss i | |
| Vandalism i |
| Cover limit for lost keys i | £0.00 |
|---|---|
| Courtesy car for duration of repair i | |
| Uninsured driver promise i | |
| Cover for replacing original audio/visual equipment i | £0.00 |
| Windscreen repair excess i | £25.00 |
| Windscreen replacement excess i | £115.00 |
| Repairs guarantee (years) i | 5 years |
| New car replacement i | |
| Cover limit for stolen keys i | £1,000.00 |
| 24hr helpline available i | |
| Courtesy car provided if stolen / total loss i | |
| Vandalism i |
| Cover limit for lost keys i | £1,000.00 |
|---|---|
| Cover limit for Legal Liability Cover for property damage | £20,000,000.00 |
| Courtesy car for duration of repair i | |
| Uninsured driver promise i | |
| Self-installed or engineer-installed box? i | Insurer's choice |
| Is device removal mandatory at the end of the contract? i | |
| Is there an excessive speeding restriction? | |
| Can your insurance be cancelled due to a poor driving score? | |
| Can premiums increase due to driving score? | On renewal |
| Curfew i | |
| Digital capability i | |
| Cancellation fee (within 14 days) box installed i | £53.76 |
| Speed restrictions scenario i | Pass |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Cancellation fee (within 14 days, box not installed) i | £0.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Cover limit for stolen keys i | £1,000.00 |
| Legal cover for manslaughter defence i | Unlimited |
| Are children's car seats covered? | |
| Cover limit for personal belongings inside car | £250.00 |
| Underwriter | U K Insurance Limited |
| Storage after accident i | |
| Vermin & insects i | |
| Misfuelling i |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £0.00 |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Windscreen repair excess i | £10.00 |
| Windscreen replacement excess i | £75.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Cover limit for stolen keys i | Unlimited |
| Repairs guarantee (years) i | 5 years |
| Vandalism i |
| Home Security Cover i | |
|---|---|
| Home Emergency Cover limit i | £500.00 |
| Internal plumbing and drainage i | |
| Primary Heating System i | |
| Boiler breakdown cover i | |
| Annual boiler service i | |
| Internal gas supply pipe cover i | |
| Pest infestation cover i | |
| Domestic Power supply covered? i | |
| Cover Type i | Add-On |
| Alternative Accommodation Cover i | £250.00 |
| Unoccupied period i | Not Mentioned |
| Claims limit i | Unlimited |
| Home Security Cover i | |
|---|---|
| Home Emergency Cover limit i | £500.00 |
| Internal plumbing and drainage i | |
| Primary Heating System i | |
| Boiler breakdown cover i | |
| Annual boiler service i | |
| Internal gas supply pipe cover i | |
| Pest infestation cover i | |
| Domestic Power supply covered? i | |
| Cover Type i | Add-On |
| Alternative Accommodation Cover i | £250.00 |
| Unoccupied period i | Not Mentioned |
| Claims limit i | Unlimited |
| Theft from outbuildings i | £5,000.00 |
|---|---|
| Matching sets (contents) i | |
| Alternative accommodation cover limit for buildings i | £50,000.00 |
| Protection against inflation (Buildings) | |
| Contents cover limit i | £100,000.00 |
| Money in the home i | £1,000.00 |
| Visitor's possessions i | £1,000.00 |
| Office equipment i | £10,000.00 |
| Buildings cover limit i | Unlimited |
| Trace and access i | £10,000.00 |
| Keys/locks if lost or stolen (Buildings) i | Sum insured |
| Alternative accommodation cover limit for contents i | £30,000.00 |
| Cancellation fee within 14 days i | £0.00 |
| Cancellation fee after 14 days i | £24.64 |
| Contents compulsory excess i | £100.00 |
| Flood excess i | £100.00 |
| Escape of water excess (minimum) i | £450.00 |
| Property owner liability i | £5,000,000.00 |
| Liability to domestic employees i | £10,000,000.00 |
| Liability as a tenant i | £10,000.00 |
| Replace belongings new for old i |
| Theft from outbuildings i | £2,500.00 |
|---|---|
| Matching sets (contents) i | |
| Alternative accommodation cover limit for buildings i | £25,000.00 |
| Protection against inflation (Buildings) | |
| Contents cover limit i | £50,000.00 |
| Money in the home i | £500.00 |
| Visitor's possessions i | £500.00 |
| Office equipment i | £5,000.00 |
| Buildings cover limit i | £1,000,000.00 |
| Trace and access i | £5,000.00 |
| Keys/locks if lost or stolen (Buildings) i | Sum insured |
| Alternative accommodation cover limit for contents i | £15,000.00 |
| Cancellation fee within 14 days i | £0.00 |
| Cancellation fee after 14 days i | £24.64 |
| Contents compulsory excess i | £100.00 |
| Flood excess i | £100.00 |
| Escape of water excess (minimum) i | £450.00 |
| Property owner liability i | £2,000,000.00 |
| Liability to domestic employees i | £5,000,000.00 |
| Liability as a tenant i | £5,000.00 |
| Replace belongings new for old i |
| Matching sets (Buildings) i | |
|---|---|
| Frozen pipes i | |
| Escape of water excess for buildings i | £450.00 |
| Underground pipes, cables and tanks i | Covered as standard |
| Selling your home i | |
| Emergency entries i | |
| Accidental damage to drains i | |
| Buildings compulsory excess i | £100.00 |
| Unoccupied period i | 60 days |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £24.64 |
| Amendment fee (telephone) i | £16.80 |
| Property owner liability i | £5,000,000.00 |
| Matching sets (Buildings) i | |
|---|---|
| Frozen pipes i | |
| Escape of water excess for buildings i | £450.00 |
| Underground pipes, cables and tanks i | Covered as standard |
| Selling your home i | |
| Emergency entries i | |
| Accidental damage to drains i | |
| Buildings compulsory excess i | £100.00 |
| Unoccupied period i | 60 days |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £24.64 |
| Amendment fee (telephone) i | £16.80 |
| Property owner liability i | £2,000,000.00 |
| Matching sets (contents) i | |
|---|---|
| Theft from outbuildings i | £5,000.00 |
| Cover for items away from home i | Optional |
| Property owner liability i | £5,000,000.00 |
| Matching sets (contents) i | |
|---|---|
| Theft from outbuildings i | £2,500.00 |
| Cover for items away from home i | Optional |
| Property owner liability i | £2,000,000.00 |
| Age when premiums stop i | 90 |
|---|---|
| Cover for accidental death in waiting period i | 300% |
| How long after policy is started can full benefits be claimed? i | 24 months |
| Cover type (level or increasing) i | Level |
| Signing up incentive i | £100 gift card |
| Minimum age i | 50 |
| Maximum age i | 85 |
| Cover for non-accidental death in waiting period (% of premiums paid) i | 150% |
| Payout for accidental death outside waiting period i | 100% |
| How much for terminal illness benefit? i | £0.00 |
| How much will be paid for serious illness? i | £0.00 |
| Can you reduce monthly payments? i | |
| If a payment is missed, how long until the policy is cancelled? i | 60 days |
| Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i | |
| Rate used to calculate increasing cover i | |
| Discount offered with a funeral provider? i | |
| Funeral benefit option provider i |
| Type of cover i | Time-limited |
|---|---|
| Medical cover limit i | £3,000.00 |
| Medical excess i | £55.00 |
| Annual policy limit i | |
| Annual condition limit i | |
| Lifetime policy limit i | |
| Lifetime condition limit i | £3,000.00 |
| Dental cover (if due to an accident) i | £3,000.00 |
| Cruciate ligament damage i | £3,000.00 |
| CT scans i | £3,000.00 |
| MRI scans i | £3,000.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £1,000.00 |
| Boarding fees limit i | £0.00 |
| Death benefit (illness) i | £0.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £0.00 |
| Holiday cancellation i | £0.00 |
| Holiday cover i | £0.00 |
| Quarantine costs cover i | £0.00 |
| Loss of PETS passport or other travel documents i | £0.00 |
| Emergency expenses abroad i | £0.00 |
| Maximum number of days abroad i | |
| Age when compulsory excess rises i | 7 years |
| Cancellation fee i | £0.00 |
| Amendment fee i | £0.00 |
| If renewed, are existing conditions covered? i |
| Type of cover i | Time-limited |
|---|---|
| Medical cover limit i | £3,000.00 |
| Medical excess i | £55.00 |
| Annual policy limit i | |
| Annual condition limit i | |
| Lifetime policy limit i | |
| Lifetime condition limit i | £3,000.00 |
| Dental cover (if due to an accident) i | £3,000.00 |
| Cruciate ligament damage i | £3,000.00 |
| CT scans i | £3,000.00 |
| MRI scans i | £3,000.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £1,000.00 |
| Boarding fees limit i | £750.00 |
| Death benefit (illness) i | £500.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £0.00 |
| Holiday cancellation i | £3,000.00 |
| Holiday cover i | £3,000.00 |
| Quarantine costs cover i | £1,500.00 |
| Loss of PETS passport or other travel documents i | £1,500.00 |
| Emergency expenses abroad i | £300.00 |
| Maximum number of days abroad i | 90 days |
| Age when compulsory excess rises i | 7 years |
| Cancellation fee i | £0.00 |
| Amendment fee i | £0.00 |
| If renewed, are existing conditions covered? i |
| Type of cover i | Time-limited |
|---|---|
| Medical cover limit i | £3,000.00 |
| Medical excess i | £65.00 |
| Annual policy limit i | |
| Annual condition limit i | |
| Lifetime policy limit i | |
| Lifetime condition limit i | £3,000.00 |
| Dental cover (if due to an accident) i | £3,000.00 |
| Cruciate ligament damage i | £3,000.00 |
| CT scans i | £3,000.00 |
| MRI scans i | £3,000.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £1,000.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £0.00 |
| Age when compulsory excess rises i | 7 years |
| Amendment fee i | £0.00 |
| Holiday cancellation i | £3,000.00 |
| Holiday cover i | £3,000.00 |
| If renewed, are existing conditions covered? i |
| Type of cover i | Time-limited |
|---|---|
| Medical cover limit i | £3,000.00 |
| Medical excess i | £65.00 |
| Annual policy limit i | |
| Annual condition limit i | |
| Lifetime policy limit i | |
| Lifetime condition limit i | £3,000.00 |
| Dental cover (if due to an accident) i | £3,000.00 |
| Cruciate ligament damage i | £3,000.00 |
| CT scans i | £3,000.00 |
| MRI scans i | £3,000.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £1,000.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £0.00 |
| Age when compulsory excess rises i | 7 years |
| Amendment fee i | £0.00 |
| Holiday cancellation i | £0.00 |
| Holiday cover i | £0.00 |
| If renewed, are existing conditions covered? i |
| Medical excess i | £50.00 |
|---|---|
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £2,000.00 |
| Cancelling before travel cover limit i | £5,000.00 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| Mental health cover i | |
| Personal money i | £500.00 |
| Combined passport & travel documents cover limit i | £500.00 |
| Cutting trip short (curtailment) cover limit i | £5,000.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Natural disaster relocation cover i | |
| Max trip duration i | 45 days |
| Medical excess i | £50.00 |
|---|---|
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £0.00 |
| Cancelling before travel cover limit i | £5,000.00 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| Mental health cover i | |
| Personal money i | £0.00 |
| Combined passport & travel documents cover limit i | £500.00 |
| Cutting trip short (curtailment) cover limit i | £5,000.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Natural disaster relocation cover i | |
| Max trip duration i | 45 days |
| Cancelling before travel cover limit i | £5,000.00 |
|---|---|
| Medical excess i | £50.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £2,000.00 |
| Cutting trip short curtailment cover limit i | £5,000.00 |
| Missed departure cover limit i | £1,000.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| Personal money i | £500.00 |
| Combined passport & travel documents limit i | £500.00 |
| Cancelling before travel cover limit i | £5,000.00 |
|---|---|
| Medical excess i | £50.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £0.00 |
| Cutting trip short curtailment cover limit i | £5,000.00 |
| Missed departure cover limit i | £1,000.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| Personal money i | £0.00 |
| Combined passport & travel documents limit i | £500.00 |
| Ski equipment owned cover limit i | £500.00 |
|---|---|
| Single owned item cover limit i | £300.00 |
| Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i | £300.00 |
| Avalanche closure cover limit i | £0.00 |
| Piste closure cover limit i | £300.00 |
| Ski equipment owned excess i | £50.00 |
| Ski equipment hired i | £500.00 |
| Single item limit for hired equipment i | £200.00 |
| Unused ski pass due to illness or injury i | £500.00 |
| Ski equipment owned cover limit i | £500.00 |
|---|---|
| Single owned item cover limit i | £300.00 |
| Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i | £300.00 |
| Avalanche closure cover limit i | £0.00 |
| Piste closure cover limit i | £300.00 |
| Ski equipment owned excess i | £50.00 |
| Ski equipment hired i | £500.00 |
| Single item limit for hired equipment i | £200.00 |
| Unused ski pass due to illness or injury i | £500.00 |