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Churchill Insurance: Car insurance reviews

Name: Car insurance
Rating: 3.28 (296 reviews)

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3.16

Based on 296 reviews, last reviewed 2nd Dec 2025

89% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

22%

32%

Latest highest rating:

5

Quick and easy service, switched from Hastings due t... Quick and easy service, switched from Hastings due to a better price with Churchill Reviewed on: 8th October 2025

Latest lowest rating:

1

CATASTROPHIC INCOMPETENCE AND PRESSURE TACTICS I am a NON-FAULT customer, yet the claims process with Churchill has been appalling and indicative of deliberate tactics to discourage me from pursui... Read more Reviewed on: 2nd December 2025

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About this product

Churchill provides car insurance for UK customers.

You can choose between two Churchill car insurance policies: Comprehensive and Comprehensive Plus. You get a courtesy car as standard with comprehensive cover and if your car’s vandalised, you’ll keep your No Claim Discount.

Churchill car insurance reviews help you find out what it’s really like to be a customer. If you’ve used Churchill before, you can also leave a review and share your experience.

Churchill Insurance Car insurance reviews (296)

Review of the Churchill Insurance, Car insurance:

Unfair Practices, Ignored Evidence, UnacceptableService

My experience with Churchill after a non-fault claim has been truly awful, and I will never use them again as a result. From the outset, the process was plagued by delays and confusion, with multiple claim handlers and missed appointments. Their handling of my car valuation was particularly frustrating. Both Churchill and CoPart offered the same incredibly low offer, having first outsourced the initial write-off valuation to CoPart, a salvage auctioneer who profits from lower valuations due to a clear conflict of interest: the lower they set the value, the more money they make. They relied solely on outdated guides, completely ignoring my evidence of advertisements for dozens of similar vehicles (and one or two identical models) for way above what they were offering. Only after an official complaint did it come to light that one of the guides they usually use, AutoTrader, gave them a valuation that was much closer to reality than the other 3 guides. However, they discounted it completely and didn't use it as part of their calculation. Churchill didn't understand my frustration at them ignoring one of their own guides and literally dozens of comparable examples from the market simply because they were higher than what they wanted to give me. Notably, of the guides they use, only AutoTrader allows you to actually purchase a vehicle, and unsurprisingly, it was the only one that matched the reality of prices I see. Furthermore, they conveniently ignored the fact that they didn't discount the lowest valuation as an "outlier," only the highest. Churchill cancelled my policy (that included cover to drive family members' cars) without my consent when it had 6 months remaining. To add insult to injury, even though I had paid annually for 12 months and they had cancelled it against my wishes, they also advised me they would not refund the remaining 6 months' premium! I do not care what they slip into the small print of policy documents; this is just plain unacceptable. After a time-consuming and emotionally draining official complaint, their final offer of a mere £200 did nothing to compensate for the inconvenience or the loss of my beloved car. It barely covered the remaining premium which they refused to refund. Overall, Churchill's unfair practices, lack of communication, and complete disregard for my situation have left me feeling frustrated and unsupported. Reviewed on: 29th February 2024

foreign customer call centres

foreign call centre could not speak english and lied said they are in uk price on tel 3 times price on internet dont want customers with poor no internet difficult to set up just want money Reviewed on: 5th September 2025

I have stayed with Churchill for 3 years running now...

I have stayed with Churchill for 3 years running now as their cost hasn't sky rocketed like other car insurance providers. Reviewed on: 5th September 2025

Good choice, great price.

Covers all my needs for car insurance at a competitive price and with good customer service. Reviewed on: 5th September 2025

No Reward for Loyalty

Every year there is at least £200 of a difference between renewal quote and price on comparison website, also from Churchill. Every year I have to phone them to be told they will match it. It's annoying Reviewed on: 5th September 2025

Easy to renew with competitive price and product to...

Easy to renew with competitive price and product to suit my needs Reviewed on: 4th September 2025

As a result of damage in a supermarket car park I co...

As a result of damage in a supermarket car park I contacted Churchill for repairs. I was told I couldn't have a courtesy car for 3 weeks - they don't have enough. Could I pay more and upgrade my replacement car? - NO. 5 weeks after the incident I'm still waiting. Calls are unanswered, promised return calls are not made. Their app in useless. AVOID it's the worst service I have ever had. My home insurance is also with Churchill - but not for long. Reviewed on: 25th August 2025

Avoid at all costs

They lose evidence, don’t call back unless you put in a complaint, drag out claims even if they’re cut and dry. I’ve had one claim with CCTV footage (which they lost) drag out for four years. And another claim drag out for two years with no end in sight. Reviewed on: 4th August 2025

Very easy to contact people and excellent price too

Very easy to contact people and excellent price too Reviewed on: 24th July 2025

!!BEWARE - THE SMALL PRINT!! and PROMISES TO CALL BACK

I paid £2300 premium to cover my F Pace. There was a claim at 6 months. They would not cover the new vehicle, forcing me to cancel. Then they wouldn't refund the the 6 months un-used. They promised to call me back and never did, despite taking the name (would not provide surname) they did not call me back. As their call centre is in South Africa perhaps they feel detached from the customers in the UK. Hardly 'British Bulldogs' as their mascot depicts! Pillar to post service and left me feeling ROBBED of £1000 premium. Reviewed on: 17th April 2025

I WOULD like to highlight my experience with Churchi...

I WOULD like to highlight my experience with Churchill insurance A Churchill driver hot my car a nd addicted full liability should be an easy claim to settle nealy 4 weeks on I'm been lied to ai have been told by 10 different advisors from Churchill and gopart that my car is a write off. I was offered standard focus price 2500 back for my car after proving my modifications and arguing my case I was finally informed by liem Wilson good news Mr Robinson we now value your car at 8.000 we will take your car and pay 8000 i just need the lead engineer to confirm nothing has changed Low and behold now that my car has a value of 8k it's suddenly replaierble and Churchill will deduct 3k from the 8k I can keep the car and its no longer deemed as a write off very strange given the last 4 weeks been told car was written off and worth 2500 I was not happy but expected the news from a joe Butler who told me he was a head engineer and his new assessment stated the car could be fixed for 3.000 so he is taking from the 8.000 I told him I was not happy but to settle the claim I would take the deduction and settle the claim Joe informed me he was processing a payment same day of 5300 the car is no longer written off. 24 hours later I receive an email stating Churchill have sent me a cheque for 2800 and the car is written off almost the opposite ti what was said and 3k short almost of the AGREED payment. Churchill tried to say my bank details where incorrect so they had to pot a cheque 5 days on no cheque no payment no call back from management no contact what so ever. I have since made contact with Churchill 3 times i have been told twice a manager would call me back in 24 hours 5 days later no contact no miscalls nothing. Yesterday I received another email from Churchill stating they had send a payment and case was closed Absolutely horrendous business to deal with I hope no one else has to endure what I have been though in the last 4 weeks Needless to say I have requested a full transcript of all phone calls and I will be escalating to the insurance ombismam Please avoid Churchill ypu ahev been warned Reviewed on: 18th February 2025

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