Churchill Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Churchill is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Churchill home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Churchill the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Churchill’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,4 Safe overall rating for Churchill

Safe ratingOur opinion
Customer service & satisfaction
and claims

Churchill both covers (Home and HomePlus) rated 5 stars by Defaqto
Great customers reviews on Trustpilot
Easy to access information, detailed FAQ

Cover provided for your home

Two levels of cover available: Home and HomePlus
Damage by pets cover available as extra
Average compensation limits
Standard excess for claims of £100
Home and HomePlus levels of cover both rated 5 stars by Defaqto
Personal possessions extra cover only up to £10 000 for items at home
Only £25 000 of emergency accommodation limit (building insurance)
Max contents sum insured of £50 000

Value for money

Affordable rates starting at less than £100
Churchill pays up to £55 if you switch insurer
High cancellation fees of £44 even during cooling off period

Financial strength

Churchill Insurance is underwritten by U K Insurance Limited
Part of the Direct Line Group (Privilege, Green Flag etc.)

Technology

Very modern website, well organized
100% online claim and quote process
Virtual Assistant available
Presence on Twitter, Facebook, Youtube

Safe rating for Churchill home insurance

Expert and customer satisfaction reviews for Churchill home insurance

Review organisationChurchill home insurance reviews

Defaqto expert
defaqto 5 stars
Trustpilot4,3/5 based on 2,212 customers reviews
Overall Which? Score

69%

Consumer satisfaction rates on reviews for Churchill home insurance

Our general opinion on Churchill home insurance

Churchill was founded in 1990 and is now one of the UK leading insurance provider. The company now provides car, travel and pet insurance alongside with the home insurance.
There are two levels of cover (Home and HomePlus) for both building and contents insurance.
The standard Home Insurance does not provide very high cover. Alternative accommodation limits are for instance much lower than other insurance policies. The insurer cover for contents in outbuildings or in the open is also poor.

However, the HomePlus level of cover has interesting options such as the accidental damage extra cover included as standard.

The company is very well rated by Defaqto expert as well as customers. The website is very well documented and organized which makes very easy to go through the quote and claim process online.

What does Churchill home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Churchill will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Churchill covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Churchill buildings and contents insurance

Churchill provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Churchill building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£2 000 000

Alternative emergency accomodation

£25 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Available as extra

Gradual build-up of groundwater

As standard

Subsidence

As standard

Underground services

As standard

Keys cover

Up to £1M

Flood and storm damage (except for fences)

As standard

Churchill building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£50 000

Owner liability

£2 000 000

Alternative emergency accomodation

£15 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Available as extra

Contents kept in garden

£1 000

Contents kept in outbuildings (garage included)

£50 000

Thefts from outbuildings

£2 500

Single item limit for valuables

£2 000

Items temporarily removed from home

£5 000

Money in and outside the homeInside:

£500


Outside:

£500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

Not covered


Outside:

Not covered

Business equipment kept at home

£5 000

Student equipment

£5 000

Keys cover

Up to £1M

Churchill contents insurance

Churchill home insurance additional cover

On top of your Churchill buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £500 per call out
  • Up to £250 and 1 night for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £500 for boiler repair
  • Up to £250 for boiler replacement
Legal protection
  • Optional extra
  • Up to £100 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £10 000 for personal possessions cover at home
  • Up to £7500 for single item limit away from home
  • Up to £1000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £2000 limit
Bicycle cover
  • Part of the personal possessions cover
  • Up to £3000 limit

Churchill home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£100
Excess for escape water claims£450
Excess for subsidence claims£1 000
Excess for personal possessions£100
Excess for keys£100
Churchill home insurance main excess

Churchill home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Churchill fees are as follows:

Fees applied to manage your Churchillhouse policy
Interests on payment installmentsVaries
To renew my policy£0
To adjust my policy£16,8
To duplicate documents£0
To cancel my policy during cooling-off period£44
To cancel my policy outside cooling-off period£44
For payment default£0
To switch from one insurer to Churchill£55
Home insurance fees at Churchill

How much does Churchill home insurance cost?

You will below indicative quotes for building and contents insurance at Churchill:

Building insuranceContents insurance
Excess£100£100
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£183,74£360,52
Home insurance quotes at Churchill

It is very difficult to give a precise range of how much exactly will your home insurance cost at Churchill as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Churchill will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Churchill home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on Churchill home insurance?

To claim at Churchill, you can start by recording your home claim online.
You can also contact the claim manager team on the phone.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Churchill home insurance?
Claim online

You can report your claim here.

Claim by phone

0345 603 3590

How to claim on my home insurance at Churchill

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Churchill house insurance?

To cancel your Churchill house insurance, here is what you need to know: 

Cancelling your home insurance at Churchill
Cancellation notice if Churchill cancel your policy14 days
Cancellation feesFees during cooling-off period: £44
Fees outside cooling-off period: £44
Cancel online

You can use the churchill online form to cancel your policy.

Cancel by phone

0345 603 3590
Mon – Fri 8am – 6pm.
Saturday & bank holidays 9am – 2pm.

How to cancel my Churchill home insurance

How to contact Churchill home insurance?

ServicesPhone numbersOpening hours
Claims

0345 603 3590

Mon – Fri: 8am – 6pm
Sat: 9am – 2pm

Quotes

0800 032 7199

Mon – Fri: 8am – 7pm
Sat: 9am – 5pm

Renewals

0345 603 3551

Mon – Fri: 8am – 7pm
Sat: 9am – 5pm

Customer service

0345 603 3551

Mon – Fri: 8am – 7pm
Sat: 9am – 5pm

Legal advice

0345 246 2408

24/7

How to contact Churchill home insurance

Churchill home insurance contact details

Churchill contact details
Churchill address

Churchill Court, Westmoreland Rd, Bromley BR1 1DP, UK

Customer service email

You can contact Churchill through the Virtual Assistant online.

Chatbot available

Virtual assistant available

Churchill contact details

How do I log in to Churchill customer portal?

You can log in to your customer portal at Churchill called My Account. This allows you to manage your policy online:

  • see your documents
  • claim
  • get or retrieve quote etc.

How do I get Churchill home insurance quotes? 

To get a quote online at Churchill, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Churchill is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Churchill home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Churchill house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.