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Churchill Insurance: Car Insurance reviews

Name: Car Insurance
Rating: 3.27 (277 reviews)

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3.04

Based on 277 reviews, last reviewed 18th Feb 2025

100% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

36%

23%

31%

Latest highest rating:

5

My car was hit by a hit and run driver and Churchill... My car was hit by a hit and run driver and Churchills could not have been more helpful. I will always recommend them after my excellent experience. Reviewed on: 14th October 2024

Latest lowest rating:

1

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 ... Read more Reviewed on: 18th February 2025

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About this product

Here at Smart Money People, we collect Churchill car insurance reviews to give you some insight into what you can expect as a Churchill customer.

Churchill was founded in 1989 as one of the UK’s first direct motor insurers. Since then, it has expanded its range of products, now offering a wide variety of insurance policies, from pet insurance to landlord insurance. Churchill offers car and van insurance, as well as specialist policies for young drivers and a telematics policy named DriveSure.

Everyone has different needs when it comes to a car insurance policy. Perhaps you’re happy to pay slightly extra to protect your No Claims Discount? Or maybe you require breakdown cover or legal protection? If you’re looking to save money on your renewal, Churchill’s DriveSure telematics policy may be worth considering. Whatever your needs, check out the Churchill car insurance reviews on Smart Money People to see what existing customers have to say about their policies.

Are you already a Churchill customer? Share your experience, good or bad, with other drivers to help us increase trust and transparency in financial services. Were you satisfied with the level of cover you received for the price of the premium? Did you have any experience with the customer service team? Did you have to make a claim, and if so, how well was it handled? Write a Churchill car insurance review on Smart Money People today.

Churchill Insurance Car Insurance reviews (277)

Review of the Churchill Insurance, Car Insurance:

Top notch

great customer service and competitive price Reviewed on: 14th July 2020

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

Diabolical Customer Service.

Terrible service, which uses multiple agencies / companies, with foreign call centre staff to process your claim. I waited for the engineer to phone me at the appointed time to discuss my vehicle value and condition, and he did not call and missed the appointment. I complained and they still did not call. I then received an email from the car hire Company saying that my claim was concluded and they were coming to collect my hire car. (Which arrived filthy dirty). I still have not received a payment and no call . I have had to chase and chase to get anywhere and I am still waiting for a pay-out over two weeks later. I am not at fault for the accident and the vehicle was declared a total loss after 24 hours so I don't understand why I am still waiting for my payment. I conclude that they are making excessive money in claiming £ 206.00 per day for a 999cc hire car from the other side insurers. They are a diabolical company to deal with, and I will never consider them again. There service has massively added to the stress of having a claim as if the accident is stressful enough, only to then have to deal with such poor customer service and then have to orchestrate your own claim. Reviewed on: 29th January 2024

AVOID CHURCHILL INSURANCE .

Fully comprehensive insurance no fault accident, no calls, no courtesy car, call center staff in Asia that hang up rather than get involved. I now have no car, have lost work/employment, have injuries & yet there's nothing from Churchill Insurance Company . The most horrific experience of my life dealing with these people. Reviewed on: 25th January 2024

Churchill: dishonest verging on fraudulent!.

Masters of time-wasting and delay tactics to make you want to go away and not bother them anymore. Everyone you speak to at Churchill tells of how they are constrained to not help you because of their systems or procedures - transferring you to the wrong departments to waste more time. Or hiding behind "we'll look into it and get back to you in 2-3 working days". Fraudulent in that they clearly state access to a "Courtesy Car" on the policy only for you to be told you're not! Today, they wasted so much of the day trying to organise a hire car that by the time it got to mid-afternoon and they'd sorted one, it was too late to deliver it until tomorrow when I needed it. Oh, and that was after they didn't organise one yesterday because no one called me back. If you take a policy with Churchill and need to make a claim, be prepared to get very frustrated, angry and stressed out that an organisation can be so incompetent in this day and age! Reviewed on: 9th January 2024

Useless

Cancelled my insurance on my car as I had sold the car. Rang them and everything was ok. Then I saw they had taken money from my bank. I tried to ring them but after half an hour I gave up. Live chat was no help. I sent them an email. But they deducted another amount from my bank. So I cancelled direct debit. Now they want past 2 month’s payment. This company is a joke. You cannot get in touch with anyone to explain. I would avoid this company at all costs Reviewed on: 18th December 2023

Churchill are the absolute worst

They recovered my car after a smashed window and then asked that I collected it from a location. I found that it wasn’t at the location when I arrived and now I am without my car for another week. I have a disabled relative whom I can’t transport due to their mistake (they even acknowledged they had made it) but they have refused to do anything to rectify it. I am seeking legal action with a solicitor for damages. Shop elsewhere for insurance, please be warned!! Reviewed on: 14th December 2023

used to be good virtual chat is awful

You ask a question, there is never an answer, the answer is usually not what i asked, spent four hours this week , its like the staff just press automatic generic replies Reviewed on: 20th November 2023

Rubbish service

Although not at fault, I've had to pay an excess which after 3 months has still not been refunded. They outsource the repair and courtesy car, and now I've bee contacted by the car hire company for the same information (again) so they can claim their costs back. Apparently I may be liable even though the car provided is part of the insurance. I've been with Churchill for over 20 years and can't believe how awful they've become, no customer service at all. I will definitely not be renewing. Reviewed on: 18th November 2023

Do not take Churchill car insurance

Please be careful do not take Churchill Car Insurance, they will leave people to live in hardship! anyone who has insurance change mind and take another car insurance. Their client smashed into my car drink driving and Churchill take away my car and left with 2k finance to pay , even knowing that it can cost me loose my job!!! People be careful,they not the insurance which take care for their clients Reviewed on: 16th November 2023

Car insurance claim. Not my fault

Existing claim for over a year. Customer service is appalling. Noone ever gets in touch even though they promise too Reviewed on: 16th October 2023

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