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Log in to the Account section of the Churchill website or use the Churchill app to view your policy documents and make changes.
These online portals are available 24/7.
Churchill car insurance
Compare Churchill car insurance quotes.
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How good is Churchill car insurance?
Churchill is a long-established UK insurer, with a Trustpilot rating of around 4.4 out of 5 from tens of thousands of reviews. Its comprehensive policies are rated 5 stars by Defaqto, reflecting strong levels of cover and a wide range of included benefits, while it was awarded a claims score of 71%
Churchill offers a mix of online and telephone-based support, appealing to drivers who want the reassurance of speaking to a human if needed. Policies are designed to be flexible, with optional extras such as breakdown cover through Green Flag and multi-car discounts for households.
What is the Defaqto rating for Churchill car insurance?
Defaqto is a leading independent reviewer of financial products. Churchill's Comprehensive and Comprehensive Plus policies receive the maximum five-star Defaqto rating for features and benefits, as well as its Drivesure telematics policies.
Churchill Comprehensive Car Insurance
⭐⭐⭐⭐⭐^
Churchill Comprehensive Plus Car Insurance
⭐⭐⭐⭐⭐^
Churchill Drivesure Telematics Car Insurance
⭐⭐⭐⭐⭐^
What will a Churchill comprehensive car insurance policy cover me for?
If you choose a fully comprehensive Churchill car insurance policy (standard or Plus) the following is included:
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Driving abroad for 90 days
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Personal Accident Cover
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Medical Expenses
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No claims discount protection
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Fire and Theft
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Damage to your car
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Damage to other people's cars and property
How much do Churchill car insurance policies cost?
These are the average prices of Churchill car insurance policies across a wide range of drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors, so could differ significantly
Churchill Drivesure
£631^
Fully comprehensive
Churchill Essentials
£368^
Fully comprehensive
Churchill Plus
£345^
Fully comprehensive
Churchill
£276^
Fully comprehensive
What is included in Churchill Comprehensive Car Insurance Plus ?
Churchill's Car Insurance Plus policy policies give you extra cover and benefits compared to standard comprehensive cover, including:
Up to £100,000 in motor legal cover
Cover for vandalism, driving abroad and child car seats
New car cover
Guaranteed hire car plus
Is Churchill Comprehensive Car Insurance Plus worth it?
Upgrading to Churchill Comprehensive Plus may be worth it if you want more protection built in as standard, particularly things like a guaranteed hire car, motor legal cover, and automatic foreign use without needing to add them separately.
Upgrading may not be necessary if you’re happy to add extras individually, already have cover elsewhere (like legal or breakdown), or mainly want a lower premium and are comfortable with more limited courtesy car cover and fewer built-in features.
Comprehensive Plus is more about bundling key extras into one policy, which can be more convenient and sometimes better value, depending on your needs.
Is Churchill the best company to insure my car with?
Which provider is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of Churchill car insurance to help you make your decision:
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Pros of Churchill car insurance
Churchill are rated 4.4 stars on Trustpilot, with comprehensive policies earning a Defaqto five star score
Well-established insurer with a long track reckord
Courtesy car available as standard
Replacement, upgrade or cash payment if car is written off
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Cons of Churchill car insurance
Below average Which? claims score of 71%
^ Breakdown cover and no-claims discount protection only available as add-ons
Motor legal cover only included on premium policy
Repairs only guaranteed if you use an approved repairer
How does Churchill car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. All providers also offer higher-tier options, which will include more features for an extra cost.
Churchill Comprehensive | Admiral Essential | Aviva Signature | Ageas Standard | |
|---|---|---|---|---|
Price | £276^ | £645^ | £385^ | £409^ |
Defaqto rating | ⭐ ⭐ ⭐ ⭐ ⭐ | ⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating^ | 71%^ | 74%^ | 80%^ | |
Claims payout rate | N/A | 98.9% | N/A | N/A |
Uninsured driver promise^ included? | Yes | Yes | Yes | Yes |
Courtesy car included? | Yes | Yes | Yes | If using approved repairer |
Administration fees^ | Not given | £15 | Free online, £18 if calling in | Not specified, free online |
Further information |
Is Churchill a good car insurer for young drivers?
Churchill is a well-established UK insurer with a strong reputation and a range of policy options, which may give reassurance to young drivers and parents alike. Its size and experience can be appealing if you want a recognisable brand with structured support.
Our research shows that on average, the lowest-cost policies for drivers who have held their licence for less than a year were from Marmalade Essentials
Churchill offers black box (telematics) insurance through Drivesure, which can help young drivers earn lower premiums through safe driving, but does not offer temporary or learner driver insurance.
How do I contact Churchill?
💡 Top tip: If you bought your Churchill car insurance through MoneySuperMarket, you can see your policy information on our website. Just sign in and click on your dashboard.
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Web Chat
You can live chat with online agents for help with your car insurance, regardless of your policy type.
Agents are available Monday-Friday 8am-8pm, Saturday 9am-5pm and Sunday 9am-4pm, while the AI chatbot can answer queries 24/7.
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WhatsApp
You can also get instant 24/7 help using WhatsApp on +44 3458 786 469
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Phone
Speak to the Churchill customer service team by phone on 0345 301 4835
Weekdays: 8am - 9pm
Saturdays: 9am - 5pm
Sundays: 9am - 4pm
How do I make a claim with Churchill?
If you need to make a claim on your Churchill car insurance policy, contact Churchill as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), information about any other drivers or vehicles involved and photos or evidence.
Churchill claims line:
0345 878 6261
Claims lines are open 24/7, and are available even if you have an Online Car Insurance policy.
Can I cancel my Churchill car insurance and switch providers?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You will need to cancel your car insurance with Churchill directly. You cannot cancel via MoneySuperMarket.
You can cancel your Churchill car insurance online via their website or app.
Can I cancel my Churchill car insurance at any time?
Yes, you can cancel your Churchill car insurance at any time, but your refund will be reduced by fees and the time you’ve been covered if your policy has already started.
Does Churchill charge fees for cancelling car insurance?
Yes, Churchill charges cancellation fees. The amount varies depending on when you cancel:
Prior to the policy auto-renewing: No charge
Within the first 14 days of the policy starting: No charge
More than 14 days after the policy starts: Undisclosed admin fee
You will also need to pay for all the days you were covered for.
Can I get a refund for extras I've added to my Churchill car insurance?
No, any payments for add-ons such as breakdown cover are non-refundable.
What other insurance does Churchill sell?
Is it cheaper to buy Churchill car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as Churchill compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare Churchill policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my Churchill car insurance policy?
If you bought your Churchill car insurance through MoneySuperMarket, you can find your policy information by logging into our website or app. Your active policies will be shown on your dashboard.
Alternatively, you can find your Churchill car insurance policy on the Churchill customer portal by logging into your account.
Will I be charged if I make a change to my Churchill car insurance?
Yes, Churchill charges an undisclosed administration fee for changes you make to your car insurance via your online account, such as changing your address or adding extra drivers. Your premium may also go up or down depending on the change.
Can I add other drivers to my Churchill car insurance policy?
Yes, you can add named drivers to your Churchill car insurance. To add a driver to your Churchill car insurance policy, log into your Churchill online account and go to the policy overview page.
Adding extra drivers to your Churchill car insurance may increase or decrease your car insurance premium, depending on their risk profile. MoneySuperMarket data found that adding a young driver (under 25) to any car insurance policy increased premiums by £768.94
Does Churchill car insurance include breakdown cover?
Churchill car insurance policies do not include breakdown cover as standard, but you can add it as an optional extra. Churchill's breakdown cover is provided by Green Flag.
How do I renew my Churchill car insurance policy?
Most Churchill car insurance policies will be set up for auto-renewal. This means that after your existing contract ends Churchill will start a new one for you using the payment details they have on file. No action is required from you and there will be no break in your car insurance cover.
Auto-renewal does not mean you will get the same cover at the same price as you had before. Churchill must contact you in advance of your policy renewing to inform you of any price or policy changes. If you don't want your Churchill cover to auto-renew, you need to inform Churchill before your policy end date. You can do this through your Churchill account.
Before letting your Churchill policy auto-renew, it's worth comparing car insurance quotes to see if you could get a better deal elsewhere. Shopping around can help ensure you’re not paying more than necessary, as renewal prices aren’t always the most competitive.
Can I pay my Churchill car insurance in monthly instalments?
Yes, you can pay for your Churchill car insurance policy via monthly Direct Debits. This is usually more expensive than paying one annual lump sum, because car insurers add interest onto monthly payments.
What is Churchill?
Churchill is a UK-based insurance brand that launched in 1989 as one of the first companies to sell car insurance directly to customers, rather than through brokers.
It’s now part of a larger insurance group alongside brands like Direct Line and Green Flag, offering a wide range of products to millions of UK customers.
Churchill is best known for its car insurance, but it also offers cover for homes, pets, travel, and breakdown through its sister brand Green Flag.
The brand focuses on straightforward policies sold online or over the phone, combining recognisable branding with a broad range of insurance options.
Who underwrites Churchill insurance?
Churchill insurance policies are underwritten by U K Insurance Limited.
How does MoneySuperMarket create and review the content on its website?
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.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
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 £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 15 May 2026 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).
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
Based on the 10th percentile of comprehensive car insurance policies sold through MoneySuperMarket in the month of March 2026.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in November 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
Source: Which?, 2026, Will your car insurer let you down when it matters most?, https://www.which.co.uk/news/article/will-your-car-insurer-let-you-down-when-it-matters-most-azKzL9m9ippy
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
Based on the average annual price of policies sold through marmalade essentials on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through churchill on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
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 April 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
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 April 2026.
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 April 2026.
