Breakdown cover
24/7 roadside assistance all year round
How good is Churchill car insurance?
Defaqto rating (car insurance)
⭐⭐⭐⭐⭐ ^
Defaqto is an leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Key Benefits
✔ 24-hour emergency helpline
✔ Repairs guaranteed for 5 years
✔ Courtesy car as standard, with comprehensive cover
✔ If your car is a written-off you have a choice of a replacement, upgrade or money
Founded in 1989, Churchill was one of the first UK insurers to offer policies directly to motorists. It has since expanded its insurance offering to include travel, pet, cycling, van and business insurance.
It is part of the Direct Line Group, which was acquired by Aviva in 2025.
Its policies are underwritten by UK Insurance Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (registration number 202810).
How much do Churchill car insurance policies cost?
These are the average prices of Churchill car insurance policies across all drivers.
How much you personally pay will be influenced by your age, postcode, driving history, the insurance group your car is in and other factors. So it’s best to get a quote tailored to your circumstances.
Fully Comprehensive
£278^
Third Party Fire and Theft
£326^
Price breakdown by policy
Fully Comprehensive | Average Price |
|---|---|
Churchill Drivesure (telematics car insurance for young drivers) | £805^ |
Churchill Essentials (the basic level of cover) | £418^ |
Churchill Plus (the highest level of cover) | £386^ |
Example car insurance quote from Churchill
Churchill
Great for
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Courtesy car – comes as standard
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Windscreen cover: comes as standard
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Personal injury cover – comes as standard
But be aware that
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Breakdown cover: available from £30.00
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Legal cover: available from £28.00
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.
What types of car insurance can I get with Churchill?
Churchill offers three different cover levels: comprehensive car insurance, comprehensive plus and third-party fire and theft. Its products include:
Telematics insurance
Telematics or black box car insurance allows insurers to record and monitor your driving habits, so by driving safely and sensibly you can earn cheaper car insurance premiums. Churchill’s DriveSure telematics insurance is aimed at 17-25 year-olds and offers an upfront discount in your first year, provided you’ve passed your test. There’s also a discount at renewal based on good driving scores.
Electric car insurance
If you opt for Churchill’s comprehensive cover for electric car insurance, your electric car’s battery is protected against theft or accidental damage, and your charging cables and home charger are covered for accidental damage, fire and theft. You’ll also get public liability cover should someone trip over your charging cable.
Multi-car insurance
With Churchill’s multi-car insurance you can cover up to 10 cars in your household and receive a discount for each car. You can have separate renewal dates to spread the cost and your no claims discount won’t be affected if one of the other vehicles is involved in an accident.
Can I cancel my Churchill car insurance policy?
To cancel your Churchill car insurance phone 0345 301 4835
Yes, everyone has the legal right to cancel car insurance within the 14-day ‘cooling off’ period. This is from the policy start date or when you receive the policy documents, whichever is later.
If you cancel:
Before your cover starts: Churchill will give you a full refund
If your cover has started but you are still within the 14-day cooling off period: You will receive a refund minus how many days you have had cover for
If you cancel after the 14-day cooling off period: You will receive a refund minus how many days you have had cover for and an administration fee
What add-ons can I get with Churchill
-
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Guaranteed hire car
You’ll get a hire car replacement if your car is damaged, stolen and not recovered
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Key cover
Cover for your car keys if your keys are stolen
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Audio equipment
Cover for loss of damage to in-car equipment
How do I contact Churchill?
You can use your online account or the Churchill app to make changes to your policy, download your insurance documents or make a claim. Alternatively, you contact Churchill:
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By instant message
Using WhatsApp: either on the app or online
Using the virtual assistant
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By email
For general enquiries: support@churchill.com
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By phone
For general enquiries or renewals: 0345 301 4835 (lines are open: Monday to Friday 8am-9pm, Saturday 9am-5pm, and Sunday 9am-4pm)
For a new claim: 0345 301 4835 (lines are open: Monday to Friday 8am-9pm, Saturday 9am-5pm, and Sunday 10am-5pm)
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By post
Churchill Court
Westmoreland Road
Bromley
BR1 1DP
Why compare Churchill car insurance with MoneySuperMarket?
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Quick and easy
It's simple to compare car insurance. Just pop in a few details about yourself, your car, and the cover you need.
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Compare with other insurers
You'll see how Churchill compare to other insurers, making sure you're finding the best deal
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Designed for you
You can tailor your cover by choosing any optional add-ons you want included
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Can I cancel my Churchill insurance policy?
To cancel a Churchill car insurance policy, you will need to call its customer service team on 0345 877 6675. There may be a fee for doing this if you’re passed the 14-day cooling off period and your policy is not about to end.
Who underwrites Churchill insurance?
Churchill car insurance policies are underwritten by U K Insurance Limited ((UKI), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (registration number 202810).
Can I add other drivers to my Churchill car insurance policy?
Yes, you can add a named driver to your Churchill car insurance policy using the app or your online account.
Be aware that:
An additional driver can affect your premium. If they are an experienced, older driver this could potentially lower your premium but if they are considered high risk this is likely to increase your premium
Churchill may charge an administration fee. You can find details in your policy documents in your online account
Your no claims bonus could be affected if the other driver has an accident and makes a claim, as it will still be made on your policy
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At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
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Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 23 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Provided you use an approved repairer
Subject to availability
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in May 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Churchill may have different ratings.
Data from the Defaqto website. Data from November 2025.