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Churchill Insurance is a bit of an old company. Founded in 1989 by Martin Long, it was one of the UK’s first motor insurance companies and since 1990 has sold home insurance among other things. The company was written by UK Insurance Ltd and bought by Royal Bank of Scotland Group in 2003. now called Direct Line Group.
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It’s no secret that comparing home insurance isn’t the easiest thing in the world. But with many years in the game, you can expect Churchill to offer comprehensive policies, competitive rates and exemplary customer service. So we took an in-depth look to see if Churchill’s home insurance lives up to expectations and if there’s more to it than its unforgettable (and adorable) mascot “Churchie”.
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Churchill offers two main types of home insurance: the Standard Home Insurance package and the Home Plus policy, which includes everything from the first policy, as well as optional extras such as personal property insurance, accidental damage, home emergency cover and family law protection. Home Plus also offers good overall coverage for homeowners and renters and provides flexibility to tailor insurance to individual needs.
Our researchers found the quality of Churchill’s customer service to be adequate, if not outstanding. Once you got past the pest and the automated phone message urging you to come online, reaching a human was quick and easy enough. The representatives themselves were friendly, clarified their areas of knowledge and were generally helpful.
Churchill receives 4.1 stars (out of five) on Trustpilot, with the happiest of verified reviewers praising the company for easy communication, customer service and reasonable prices. As can be expected with any insurance provider, there are mixed opinions about renewal rates, but it seems that loyalty is rewarded.
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In addition, Churchill achieved a five-star Defacto rating for both premises and contents insurance, putting the company on par with other major players in the home insurance world such as Axa, Hastings Direct, Aviva and Admiral; Replaces More Than Home and more basic Admiral and Axa policies.
It’s easy to start a new quote and access an existing one, while making a claim takes minutes (claims can be submitted online or over the phone). Whether or not Churchill is the right home insurance provider for you is of course completely subjective and depends on your circumstances, so we still recommend that you shop around and compare several different options to get the full picture before making any decisions. .
Our researchers and writers strive to bring you accurate and up-to-date information so you can make an informed decision when it comes to comparing and purchasing home insurance.
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We will only endorse home insurance products after hundreds of hours of research, policy comparison and mystery shopping, and after considering verified customer reviews and testimonials and industry expert opinions.
To write our articles we compared (and continue to compare) hundreds of policies from dozens of UK insurers, large and small. We focus our research on:
All of our articles are vetted by industry experts, including regulatory compliance specialists and policy data verified by the insurance providers themselves, so you can be sure our content is as accurate and up-to-date as possible.
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Even after all this, we still recommend that you don’t just take our word for it – you should compare quotes to get the best deal for you and your home. Read more about our process in our article on how we cover home insurance companies.
There are two main levels of Churchill home insurance, with both separate and joint contents and local policy options.
Home Plus: Includes everything in the main policy, plus all additional extras such as accidental damage, home emergencies and personal belongings.
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Extras are all part of Churchill Home Plus insurance, but come as extras with standard home insurance.
If you’re customizing a standard policy, it’s worth considering accidental damage if you’re prone to spilling red wine or coffee on your couch. As Churchill said, it helps with life’s failures. Personal effects cover is ideal if you need to cover items such as a bike, smart watch, phone or expensive jewelery away from home, and home emergency cover gives you access to a 24-hour emergency phone number. your key hits the lock or you are infected with some kind of pest.
Finally, family law protection can help in a number of situations including commercial disputes, faulty goods you have purchased and even problems with holiday packages, car hunts and private sales. Under this addendum, Churchill will also pay your salary while you are on the jury.
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Yes, up to £100,000 (costs of all claims including VAT from the same event, plus salary while involved)
Storm, flood or water leakage: Collapse, subsidence or landslides caused by water or oil seepage are not covered under the main contents/buildings policy, but may be covered under Collapse or Collapse of Your Home Site. , or in case of accidental damage caused by overflowing water from the sink as a result of the tap being on.
Accident Cover: This does not insure items against wear and tear or cover electrical equipment that stops working for no apparent reason. You will also not be covered for damage caused by pets or accidental damage while items are being moved out of your home.
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Home emergency cover: Churchill does not pay for replacement locks if keys are lost or stolen. Nor will it repair or replace burglar or fire alarm systems.
It also won’t pay for temporary electrical wiring or wiring outside the home, outhouse, or garage.
Personal effects: If you’re taking your personal effects as an add-on to your Churchill home insurance policy, there are a few exclusions to consider – mostly high-ticket items. Bicycles worth more than £500 and other items worth more than £2,000 are not covered and must be listed separately.
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Sets and replacements: Similarly, if personal effects are removed under a standard policy, Churchill will not cover replacement or replacement costs for undamaged items in the furniture set as they are part of the same collection. .
However, the Home Plus policy covers personal effects, which means that Churchill will replace the complete set, set or group of items as new, up to the cost of its suppliers, if the item/part cannot be replaced or repaired. Where this is not possible, Churchill will pay the full value of the item.
Family law protection: For family law protection, please note that full legal protection of £100,000 is only available in cases with a 50 per cent chance of success.
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Pets: Soiling, urination, scratching, etc. by pets. Any behavioral damage such as will not be covered. Injury or death is also not covered, as this is usually covered by your pet insurance.
Authorized Repairers and Emergency Services: Please note that when Churchill mentions a call, repairer or preferred law firm, it indicates personnel or service authorized or approved and dispatched by Churchill. Double check this before calling or hiring an expert as their time and work may not be covered by your policy unless chosen by Churchill. So if you have home emergency coverage, call Churchill first for the best next steps. Use recommended services and only call your local dealer if Churchill tells you to.
House designation: A detached house is the address shown on your schedule with attached garages used for domestic purposes only, but does not include outbuildings or detached garages.
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Main source of heat statement: This refers to the main hot water or central heating system in your property. Churchill defines it as:
However, it does not include: underfloor heating, solar heating or hot air heating, any non-domestic boiler or associated plant, any boiler of more than 70 kW, secondary or other boiler, oil and solid fuel systems, open fire or air conditioning. .
External damage: Storms, floods, weight of snow, falling trees or branches are covered, but Churchill does not cover damage to fences, gates or hedges.
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Property Damage: Collapse or subsidence applies to all policies, except for issues related to subsidence of newly constructed lots, structural repairs, replacements or demolition of your buildings.
Frost damage: This will be covered except for external water pipes or tanks in outbuildings.
Theft and vandalism or malicious acts: Please note that Churchill does not cover damage to paying guests or tenants or damage if you have not lived in the property for more than 60 days.
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