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% |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £1,000.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £25.00 |
| Windscreen replacement excess i | £115.00 |
| Cover limit for stolen keys i | £1,000.00 |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | 5 years |
| Vandalism i |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £1,000.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £25.00 |
| Windscreen replacement excess i | £115.00 |
| Cover limit for stolen keys i | £1,000.00 |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | 5 years |
| Vandalism i |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £0.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £25.00 |
| Windscreen replacement excess i | £115.00 |
| Cover limit for stolen keys i | £1,000.00 |
| Cover for replacing original audio/visual equipment i | £0.00 |
| Repairs guarantee (years) i | 5 years |
| Vandalism i |
| Cover limit for lost keys i | £1,000.00 |
|---|---|
| Courtesy car for duration of repair i | |
| Uninsured driver promise i | |
| Cover limit for Legal Liability Cover for property damage | £20,000,000.00 |
| Underwriter | U K Insurance Limited |
| Cover limit for stolen keys i | £1,000.00 |
| Storage after accident i | |
| Cover for replacing original audio/visual equipment i | Unlimited |
| New car replacement i | |
| Legal cover for manslaughter defence i | Unlimited |
| Vermin & insects i | |
| Misfuelling i | |
| Cancellation fee (within 14 days, box not installed) i | £0.00 |
| 24hr helpline available 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 | |
| Are children's car seats covered? | |
| Cover limit for personal belongings inside car | £250.00 |
| Cancellation fee (within 14 days) box installed i | £53.76 |
| Speed restrictions scenario i | Pass |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £0.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £10.00 |
| Windscreen replacement excess i | £75.00 |
| Cover limit for stolen keys i | Unlimited |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | 5 years |
| Vandalism i |
| Home Security Cover i | |
|---|---|
| Home Emergency Cover limit i | £500.00 |
| Primary Heating System i | |
| Cover Type i | Add-On |
| Internal plumbing and drainage i | |
| Boiler breakdown cover i | |
| Pest infestation cover i | |
| Alternative Accommodation Cover i | £250.00 |
| Unoccupied period i | Not Mentioned |
| Annual boiler service i | |
| Internal gas supply pipe cover i | |
| Domestic Power supply covered? i | |
| Claims limit i | Unlimited |
| Home Security Cover i | |
|---|---|
| Home Emergency Cover limit i | £500.00 |
| Primary Heating System i | |
| Cover Type i | Add-On |
| Internal plumbing and drainage i | |
| Boiler breakdown cover i | |
| Pest infestation cover i | |
| Alternative Accommodation Cover i | £250.00 |
| Unoccupied period i | Not Mentioned |
| Annual boiler service i | |
| Internal gas supply pipe cover i | |
| Domestic Power supply covered? i | |
| Claims limit i | Unlimited |
| Alternative accommodation cover limit for buildings i | £50,000.00 |
|---|---|
| Theft from outbuildings i | £5,000.00 |
| Protection against inflation (Buildings) | |
| Matching sets (contents) i | |
| Contents compulsory excess i | £100.00 |
| Property owner liability i | £5,000,000.00 |
| Cancellation fee within 14 days i | £0.00 |
| Contents cover limit i | £100,000.00 |
| Alternative accommodation cover limit for contents i | £30,000.00 |
| Buildings cover limit i | Unlimited |
| Cancellation fee after 14 days i | £24.64 |
| Liability to domestic employees i | £10,000,000.00 |
| Trace and access i | £10,000.00 |
| Keys/locks if lost or stolen (Buildings) i | Sum insured |
| Liability as a tenant i | £10,000.00 |
| Replace belongings new for old i | |
| Flood excess i | £100.00 |
| Escape of water excess (minimum) i | £450.00 |
| Money in the home i | £1,000.00 |
| Visitor's possessions i | £1,000.00 |
| Office equipment i | £10,000.00 |
| Alternative accommodation cover limit for buildings i | £25,000.00 |
|---|---|
| Theft from outbuildings i | £2,500.00 |
| Protection against inflation (Buildings) | |
| Matching sets (contents) i | |
| Contents compulsory excess i | £100.00 |
| Property owner liability i | £2,000,000.00 |
| Cancellation fee within 14 days i | £0.00 |
| Contents cover limit i | £50,000.00 |
| Alternative accommodation cover limit for contents i | £15,000.00 |
| Buildings cover limit i | £1,000,000.00 |
| Cancellation fee after 14 days i | £24.64 |
| Liability to domestic employees i | £5,000,000.00 |
| Trace and access i | £5,000.00 |
| Keys/locks if lost or stolen (Buildings) i | Sum insured |
| Liability as a tenant i | £5,000.00 |
| Replace belongings new for old i | |
| Flood excess i | £100.00 |
| Escape of water excess (minimum) i | £450.00 |
| Money in the home i | £500.00 |
| Visitor's possessions i | £500.00 |
| Office equipment i | £5,000.00 |
| Escape of water excess for buildings i | £450.00 |
|---|---|
| Matching sets (Buildings) i | |
| Frozen pipes i | |
| 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 |
| Property owner liability i | £5,000,000.00 |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £24.64 |
| Amendment fee (telephone) i | £16.80 |
| Escape of water excess for buildings i | £450.00 |
|---|---|
| Matching sets (Buildings) i | |
| Frozen pipes i | |
| 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 |
| Property owner liability i | £2,000,000.00 |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £24.64 |
| Amendment fee (telephone) i | £16.80 |
| 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 |
| How long after policy is started can full benefits be claimed? i | 24 months |
|---|---|
| Age when premiums stop i | 90 |
| Cover type (level or increasing) i | Level |
| Cover for accidental death in waiting period i | 300% |
| Signing up incentive i | £100 gift card |
| Can you reduce monthly payments? i | |
| Minimum age i | 50 |
| If a payment is missed, how long until the policy is cancelled? i | 60 days |
| Maximum age i | 85 |
| 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 | |
| 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 |
| Discount offered with a funeral provider? i | |
| Funeral benefit option provider i |
| Medical excess i | £55.00 |
|---|---|
| Type of cover i | Time-limited |
| Medical cover limit i | £3,000.00 |
| Age when compulsory excess rises i | 7 years |
| Annual policy limit i | |
| Cancellation fee i | £0.00 |
| Annual condition limit i | |
| Amendment fee i | £0.00 |
| 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 |
| If renewed, are existing conditions covered? i | |
| 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 |
| Medical excess i | £55.00 |
|---|---|
| Type of cover i | Time-limited |
| Medical cover limit i | £3,000.00 |
| Age when compulsory excess rises i | 7 years |
| Annual policy limit i | |
| Cancellation fee i | £0.00 |
| Annual condition limit i | |
| Amendment fee i | £0.00 |
| 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 |
| If renewed, are existing conditions covered? i | |
| 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 |
| 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 |
| If renewed, are existing conditions covered? i | |
| 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 |
| 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 |
| If renewed, are existing conditions covered? i | |
| Age when compulsory excess rises i | 7 years |
| Amendment fee i | £0.00 |
| Holiday cancellation i | £0.00 |
| Holiday cover i | £0.00 |
| Medical excess i | £50.00 |
|---|---|
| Cancelling before travel cover limit i | £5,000.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £2,000.00 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 45 days |
| Cutting trip short (curtailment) cover limit i | £5,000.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Personal money i | £500.00 |
| Combined passport & travel documents cover limit i | £500.00 |
| Natural disaster relocation cover i |
| Medical excess i | £50.00 |
|---|---|
| Cancelling before travel cover limit i | £5,000.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £0.00 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 45 days |
| Cutting trip short (curtailment) cover limit i | £5,000.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Personal money i | £0.00 |
| Combined passport & travel documents cover limit i | £500.00 |
| Natural disaster relocation cover i |
| 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 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| 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 |
| 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 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| 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 |
| 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 |
| Ski equipment owned excess i | £50.00 |
| Ski equipment hired i | £500.00 |
| Single item limit for hired equipment i | £200.00 |
| Avalanche closure cover limit i | £0.00 |
| Piste closure cover limit i | £300.00 |
| 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 |
| Ski equipment owned excess i | £50.00 |
| Ski equipment hired i | £500.00 |
| Single item limit for hired equipment i | £200.00 |
| Avalanche closure cover limit i | £0.00 |
| Piste closure cover limit i | £300.00 |
| Unused ski pass due to illness or injury i | £500.00 |