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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Gold ribbon: first place

Car insurance

Ranked 19th of 53 providers reviewed.

Customer happiness 55%
Customer trust 47%
Complaints performance 78%
Transparency rating 57%
Fairer Finance score
Reviewed Autumn 2019
59%

Home insurance (building and contents)

Ranked 23rd of 49 providers reviewed.

Customer happiness 56%
Customer trust 45%
Complaints performance 78%
Transparency rating 56%
Fairer Finance score
Reviewed Autumn 2019
59%
Gold ribbon: first place

Pet insurance

Ranked 7th of 26 providers reviewed.

Customer happiness 57%
Customer trust 61%
Complaints performance 78%
Transparency rating 52%
Fairer Finance score
Reviewed Autumn 2019
62%
Gold ribbon: first place

Travel insurance

Ranked 3rd of 65 providers reviewed.

Customer happiness 56%
Customer trust 53%
Complaints performance 78%
Transparency rating 56%
Fairer Finance score
Reviewed Autumn 2019
61%

Car insurance

Churchill

Car Insurance

4 stars
Cover limit for lost keys i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £10
Windscreen replacement excess i £75
Cover limit for stolen keys i £0
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i 75
Repairs guarantee (years) i 5 years
Courtesy car provided if stolen / total loss i

Home insurance (building and contents)

Churchill

Home Plus

4 stars
Escape of water excess i £450
Matching sets i
Theft from outbuildings cover limit i £5,000
24hr helpline i
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

Churchill

Home Insurance

3 stars
Escape of water excess i £450
Matching sets i
Theft from outbuildings cover limit i £2,500
24hr helpline i
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

Buildings insurance

Churchill

Home Plus

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

Churchill

Home Insurance

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

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

3 stars
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
Age when premiums stop i 90
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
Payout for accidental death outside waiting period i Full payout
Maximum age i 85
Discount offered with a funeral provider? i Not offered

Pet insurance

Cat insurance

Churchill

Pet Insurance

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) 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

1 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) 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
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

Churchill

Travel Insurance (with baggage cover)

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

Churchill

Standard

2 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0
Max trip duration i 45 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £0
Combined passport & travel cover limit i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

Churchill

Travel Insurance (with baggage cover)

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

Churchill

Travel Insurance

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

Travel insurance add-on: winter sports

Churchill

Standard

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
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £200
Avalanche closure cover limit i £0
Piste closure cover limit i £300
Unused ski pass due to illness or injury i £500