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Churchill Insurance: Car Insurance reviews

Name: Car Insurance
Rating: 3.27 (278 reviews)

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3.03

Based on 278 reviews, last reviewed 17th Apr 2025

No new 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

35%

23%

32%

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

!!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... Read more Reviewed on: 17th April 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.

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Churchill Insurance Car Insurance reviews (278)

WONT BE REWENING MY POLICY WITH THEM

Someone ran into me so had to make a claim was a nightmare sat on hold for 15 minutes, rang back Then got cut off rang again and finally had a choice to get someone to call me back. I had to chase up the hired car and also the Garage that were taking my car for repairs. Nothing but I'll call you back and be put on hold. I have pay as you go mobile and its cost me almost £30 to call all these and be put on hold. Won't be renewing with them Reviewed on: 25th May 2023

DONT GO NEAR THEM.

Would not go near them. A semi-truck hit my car last year, they admitted fault. AXA (the lorrys insurer) admitted fault and paid the claim in full. However, Churchill left the claim open for a further 6 months plus and then when they finally closed it after repeated calls from myself, they closed it as a FAULT claim. Useless, stay well away. Reviewed on: 19th May 2023

£54 cancellation fee on a policy with a premium of £211 p.a.

Cancelling my policy as sold car and quoted £54 cancellation fee on a policy with a premium of £211. Cancelling after 7 months so Churchill don't have the risk of insuring the car for 5 months and still charging £54 for the privilege - disgraceful!!!!! Reviewed on: 25th April 2023

AVOID AVOID AVOID

If Churchill does not pay the other side's lawyers by the end of play today, I will end up with a "Satisfied" CCJ which will stick with me for SIX YEARS. I have done nothing wrong. Churchill have been incompetent throughout my entire case. They failed to reach an agreement with the other party They then failed to appoint a solicitor to my case despite writing to me telling me not to worry, they had done so As a result, no one turned up at court to defend my case and so as a direct result I have been hit with a County Court Judgement They then failed to pay the other party within the 28-day time limit (by sending a cheque when it has to be cleared funds) They are impossible to get hold of Because of their negligence and incompetence, they have missed the payment deadline; I will have this CCJ marked as Satisfied, but it will negatively impact my record for 6 years. I've given them one star only because there is no option to give a lower result. Next stop no-win-no-fee lawyers to recoup my losses I guess. Reviewed on: 17th April 2023

Churchill scrapped my car without permission

I have an ongoing claim and car was written off. Churchill gave me a scrap quote and I informed I would get back to them.; I requested a quote if I wanted to retain the car in a later conversation which was sent by email as requested. I received a letter on the 22nd March informing my insurance was suspended on the 16th, when I called they informed they had paid me to retain the car, despite no orders from myself. I explained this was wrong and was told insurance would be reinstated to third party until I had an mot., and I would get a call back. My insurance was not reinstated and I was subsequently stopped by police for no insurance and may get points etc. Currently going through complaints and the first stage as been useless., apparently they only uphold that they should have told me by email they was stealing my car. I appreciate this is probably a rare occurrence but the support and understanding I’ve received from Churchill since they messed up, shows me all I need to know about the company. Reviewed on: 29th March 2023

They don't answer the phone

I am at fault in an accident and the other party is threatening to sue as the claim wasn't paid. These muppets don't answer the phone. Reviewed on: 22nd February 2023

scammers! stay away

Stay away from this Company (Churchill / DLG). My claims still haven't been resolved (since 2021). Both accidents were not our fault fault (with proof) and we are basically being ignored by Churchill! They're not responding to our emails, not answering our phone calls. They promised several times to get back to us , but there's always an excuse. Our case has now been submitted to a third party company and Ombudsman! This is from OCT 2021. scammers! STAY AWAY Reviewed on: 22nd February 2023

Misleading information

I took out a car insurance policy which Churchill based on them telling me they would provide my accident dates in the last five years when I told them I couldn't remember. Shortly after, they contacted me to say I didn't give them one accident date. That I must pay the over £100 in a couple of days because I didn't disclosed. I reminded them that I told them I couldn't remember and they said they will provide. I refused to pay and they cancelled my policy. Now I'm having trouble finding insurance less than £3000 and some refusing to insure my car. I'm in a nightmare of no fault of my own. In the meantime, I'm paying finance on my car and cannot afford to insure it. Churchill sent my documents to a few doors from my house and while I was on the phone to them, blind past me to their partner insurance directline who I left the join them. They mislead me and appear questionable to me. They also gave different stories and not transparent, in my opinion. I wish I had the option of not giving any stars. This just goes to show their reputation. Reviewed on: 10th February 2023

No response - no customer service

Long term customer, never claimed before - accident a few weeks ago, and garage says our car's a write-off ... Churchill, however, aren't responding to messages, haven't yet produced the promised courtesy car (paid for in the policy) and have left us high and dry - garage have said they've got several cars there and Churchill aren't communicating with them either - awful, not what we paid for, and no sign of resolution. Reviewed on: 9th February 2023

SHOCKING EXPERIENCE

From the day of the accident nothing but problems, was provided with a courtesy car 5 days after mine was collected, to be taken of me 3 days later as mine was a write off and I’m not covered for a courtesy car if this happens, I have been waiting 4 weeks for a churchill engineer to look at the vehicle as they are behind to decide if it is a write off and still waiting . In the mean time I have no car I have had pay for hire car…The stress this is had on me top of accident and calling the company for weeks on end to get no help, also worrying about school, work hospital appointments. The customer service don’t seem to Know anything and get fobbed off all the time. Still waiting to here about my vehicle a month after the report was done. I wouldn’t give any stars if possible avoid this company!!! Reviewed on: 8th February 2023

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