Churchill

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.

Churchill
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Car insurance

Ranked 26th of 53 providers reviewed.

Customer happiness 61.42%
Customer trust 55.52%
Complaints performance 73.81%
Transparency rating 68.31%
Fairer Finance score
Reviewed Spring 2022
65%

Home Emergency Cover

Ranked 9th of 16 providers reviewed.

Customer happiness 59.38%
Customer trust 61.16%
Complaints performance 73.78%
Transparency rating 53.73%
Fairer Finance score
Reviewed Spring 2022
62%

Home insurance (building and contents)

Ranked 16th of 49 providers reviewed.

Customer happiness 58.43%
Customer trust 53.87%
Complaints performance 73.78%
Transparency rating 78.84%
Fairer Finance score
Reviewed Spring 2022
66%

Life insurance

Ranked 19th of 26 providers reviewed.

Claims score 68.50%
Complaints performance 87.37%
Transparency rating 52.14%
Fairer Finance score
Reviewed Autumn 2021
69%
Gold ribbon: first place

Pet insurance

Ranked 6th of 28 providers reviewed.

Customer happiness 67.4%
Customer trust 67.16%
Complaints performance 73.81%
Transparency rating 63.2%
Fairer Finance score
Reviewed Spring 2022
68%
Gold ribbon: first place

Travel insurance

Ranked 14th of 39 providers reviewed.

Customer happiness 54.97%
Customer trust 52.16%
Complaints performance 73.81%
Transparency rating 47.31%
Fairer Finance score
Reviewed Spring 2022
57%

Car insurance

Churchill

Car Insurance

4 stars
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 £10.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 5 years
New car replacement
Cover limit for stolen keys i £1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i

Home insurance (building and contents)

Churchill

Home Plus

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i £30,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i Sum insured
Money in the home i £1,000.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 10000

Churchill

Home Insurance

3 stars
Matching sets i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i £15,000.00
Alternative accommodation cover limit for buildings i £25,000.00
Cover for keys if lost i Sum insured
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 5000

Buildings insurance

Churchill

Home Plus

4 stars
Trace and Access i £10,000.00
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i Sum insured
Compulsory excess i £100.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £5,000,000.00

Churchill

Home Insurance

3 stars
Trace and Access i £5,000.00
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i £25,000.00
Cover for keys if stolen i Sum insured
Compulsory excess i £100.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £2,000,000.00

Contents insurance

Churchill

Home Plus

4 stars
Theft from outbuildings cover limit i £5,000.00
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £30,000.00
Money in the home cover limit i £1,000.00
Cover for keys if stolen i Sum insured
24hr helpline i

Churchill

Home Insurance

3 stars
Theft from outbuildings cover limit i £2,500.00
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £15,000.00
Money in the home cover limit i £500.00
Cover for keys if stolen i Sum insured
24hr helpline i

Life insurance

Over 50s life insurance

Churchill

Churchill Over 50s Life Insurance

3 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i 3x full payout
How long after policy is started can full benefits be claimed? i 24 months
Maximum age i 85
Payout for accidental death outside waiting period i Full payout
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i 30 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
Discount offered with a funeral provider? i

Pet insurance

Cat insurance

Churchill

Pet Insurance

3 stars
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
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £1,000.00
Boarding fees limit i Optional
Death benefit (illness) i Optional
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i Optional
Holiday cover i Optional
Quarantine costs cover i Optional
Loss of PETS passport or other travel documents i Optional
Emergency expenses abroad i Optional
Maximum number of days abroad i Optional
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

Dog insurance

Churchill

Pet Insurance

2 stars
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
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
Prescription diet (treatment of bladder stones only) 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 Optional
Holiday cover i Optional
If renewed, are existing conditions covered? i

Travel insurance

Annual multi-trip insurance

Churchill

Travel Insurance (with baggage cover)

4 stars
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
Lost or stolen cash i £500.00
Combined passport & travel cover limit i £500.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 45 days

Churchill

Travel Insurance

1 stars
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
Lost or stolen cash i £0.00
Combined passport & travel cover limit i £500.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 45 days

Single trip insurance

Churchill

Travel Insurance (with baggage cover)

4 stars
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 cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Lost or stolen cash i £500.00
Combined passport & travel cover limit i £500.00
Missed departure cover limit i £1,000.00

Churchill

Travel Insurance

2 stars
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 cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Lost or stolen cash i £0.00
Combined passport & travel cover limit i £500.00
Missed departure cover limit i £1,000.00

Travel insurance add-on: winter sports

Churchill

Travel Insurance

3 stars
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

Travel Insurance Covid-19 Cover

Churchill

Travel Insurance

2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Churchill

Travel Insurance (with baggage cover)

2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)