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 29th of 54 providers reviewed.

Customer happiness 58.5%
Customer trust 51.09%
Complaints performance 75.09%
Transparency rating 66.19%
Fairer Finance score
Reviewed Autumn 2021
63%

Home insurance (building and contents)

Ranked 19th of 51 providers reviewed.

Customer happiness 58.88%
Customer trust 52.82%
Complaints performance 75.04%
Transparency rating 71.06%
Fairer Finance score
Reviewed Autumn 2021
64%

Life insurance

Ranked 22nd of 25 providers reviewed.

Claims score 68.50%
Complaints performance 83.73%
Transparency rating 50.3%
Fairer Finance score
Reviewed Spring 2021
68%
Gold ribbon: first place

Pet insurance

Ranked 2nd of 28 providers reviewed.

Customer happiness 66.83%
Customer trust 69.6%
Complaints performance 75.09%
Transparency rating 73.33%
Fairer Finance score
Reviewed Autumn 2021
71%
Gold ribbon: first place

Travel insurance

Ranked 10th of 36 providers reviewed.

Customer happiness 58.02%
Customer trust 60.69%
Complaints performance 75.09%
Transparency rating 37.02%
Fairer Finance score
Reviewed Autumn 2021
58%

Car insurance

Churchill

Car Insurance

4 stars
Cover limit for lost keys i £1,000
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
New car replacement
Windscreen repair excess i £10
Windscreen replacement excess i £75
Repairs guarantee (years) i 5 years
Cover limit for stolen keys i £1,000
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
Escape of water excess i £450
Alternative accommodation cover limit i £50,000
Cover for keys if lost i Sum insured
Money in the home i £1,000
Replace belongings new for old i
24hr helpline i

Churchill

Home Insurance

3 stars
Matching sets i
Theft from outbuildings cover limit i £2,500
Escape of water excess i £450
Alternative accommodation cover limit i £25,000
Cover for keys if lost i Sum insured
Money in the home i £500
Replace belongings new for old i
24hr helpline i

Buildings insurance

Churchill

Home Plus

4 stars
Finding & repairing a leak cover limit i £10,000
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i Sum insured
Compulsory excess i £100
Escape of water excess i £450
24hr helpline i
Property owner liability i £5,000,000

Churchill

Home Insurance

3 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i £25,000
Cover for keys if stolen i Sum insured
Compulsory excess i £100
Escape of water excess i £450
24hr helpline i
Property owner liability i £2,000,000

Contents insurance

Churchill

Home Plus

4 stars
Theft from outbuildings cover limit i £5,000
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
Money in the home cover limit i £1,000
Cover for keys if stolen i Sum insured
24hr helpline i

Churchill

Home Insurance

3 stars
Theft from outbuildings cover limit i £2,500
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
Money in the home cover limit i £500
Cover for keys if stolen i Sum insured
24hr helpline i

Life insurance

Over 50s life insurance

Churchill

Over 50s Life Insurance

2 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 1.5x the life cover paid
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 Not offered

Pet insurance

Cat insurance

Churchill

Pet Insurance

3 stars
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i 3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £0
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i Optional

Dog insurance

Churchill

Pet Insurance

2 stars
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £0
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

Churchill

Travel Insurance (with baggage cover)

4 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £500
Combined passport & travel cover limit i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 45 days

Churchill

Travel Insurance

2 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £0
Combined passport & travel cover limit i £500
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
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £500
Combined passport & travel cover limit i £500
Missed departure cover limit i £1,000

Churchill

Travel Insurance

2 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £0
Combined passport & travel cover limit i £500
Missed departure cover limit i £1,000

Travel insurance add-on: winter sports

Churchill

Travel Insurance

3 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £300
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300
Avalanche closure cover limit i £0
Piste closure cover limit i £300
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £200
Unused ski pass due to illness or injury i £500

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)