Churchill insurance is a popular choice for many drivers. With 17,793 Trustpilot reviews and an overall rating of 4.2 out of 5, it’s clear why. But what do customers really think? We dive into the pros and cons to give you a balanced view.
You’ll find that Churchill offers competitive premiums and easy policy setup. However, not all feedback is positive. Some customers report issues with claims and customer service. Our detailed review highlights these experiences.
For young drivers, Churchill’s DriveSure Telematics offers innovative benefits. Learn about the features and decide if it’s right for you. Read on to make an informed decision.
Churchill Car Customer Reviews on Trustpilot
Churchill insurance, a well-known name in the insurance world, has received mixed reviews from its customers. With a total of 17,793 reviews on Trustpilot, Churchill boasts an overall rating of 4.2 out of 5. The majority of the reviews are positive, with 68% of customers giving a 5-star rating.
Many customers praise the company for its competitive car insurance rates and straightforward policy setup. Churchill offers various types of insurance, including car insurance, home insurance, travel insurance, and pet insurance.
Many reviewers highlight the ease of arranging Churchill car insurance. They appreciate the user-friendly website and quick processing.
For instance, one customer switched from another insurer due to Churchill’s lower premium. This sentiment is common among many Churchill customers who have experienced significant savings on their insurance premium.
The renewal process is also often described as simple and hassle-free. Customers can renew their policies online or by phone, which many find convenient.
However, not all reviews are positive. Some customers express dissatisfaction with Churchill’s customer service. A few have reported issues with making a claim.
One review mentions a delay in processing their claim after an accident. Another customer had trouble getting a courtesy car while theirs was being repaired. These experiences highlight the importance of efficient customer service in handling claims and providing necessary support. Despite these issues, many customers still recommend Churchill for its overall value.
Churchill’s car insurance policies offer various benefits, such as comprehensive and comprehensive plus coverage. These include protection against accidental damage to your car, motor legal protection, and new car replacement in case of theft or total loss.
Some customers have praised these features, stating that they provide peace of mind. Others have found the policy documents clear and easy to understand. This transparency is crucial for customers when choosing an insurance provider.
On the other hand, there are instances where customers felt let down by Churchill. One reviewer mentioned that Churchill didn’t understand their frustration regarding a car valuation.
Another customer was unhappy with the handling of their insurance renewal. These negative experiences, though less common, point to areas where Churchill could improve. Ensuring consistent and high-quality customer service is vital for maintaining customer trust and satisfaction.
In conclusion, Churchill offers competitive car insurance with a range of benefits that appeal to many customers. The company’s strong points include user-friendly policy setup and significant cost savings.
However, there are areas where Churchill needs to improve, particularly in customer service and claims handling. With a mix of positive and negative reviews, potential customers should consider both aspects when deciding on Churchill for their car insurance needs.
Pros of Churchill Car Insurance
- Competitive Premiums: Churchill offers competitive premiums, often lower than other insurers. Many customers report saving money compared to their previous insurance.
- Easy to Insure: The process to insure your car with Churchill is straightforward. The website is user-friendly, and setting up a policy is quick and simple.
- Comprehensive Coverage Options: Churchill provides comprehensive and comprehensive plus coverage. This includes protection against accidental damage and new car replacement if your car is stolen or written off.
- Good Customer Service: Many reviews praise Churchill’s customer service. Staff are often described as polite, helpful, and professional. This is crucial for resolving any issues or questions.
- Flexible Renewal Process: Renewing your policy with Churchill is easy. You can renew online or by phone. This flexibility makes it convenient for customers.
Cons of Churchill Car Insurance
- Claim Processing Delays: Some customers have reported delays when making a claim. This can be frustrating, especially after an accident when you need quick support.
- Courtesy Car Issues: There have been complaints about the courtesy car service. Some customers did not receive a courtesy car or had issues with the car hire company.
- Refund Problems: A few customers have faced problems when requesting a refund. This can be an issue if you decide to cancel your policy.
- Young Driver Costs: Churchill’s insurance can be expensive for young drivers. While premiums are competitive, young drivers might find the costs higher compared to other providers.
- Inconsistent Customer Service: Although many praise Churchill’s customer service, some reviews mention unhelpful staff. This inconsistency can affect your overall experience with the insurer.
Churchill, part of the Direct Line Group, offers various benefits and competitive rates. However, potential issues with claims and courtesy cars are worth considering. Keeping in mid that churchill provides great service compare to other insurance companies. For young drivers, it’s important to compare costs and coverage options.
What is Drive Insurance by Churchill?
Drive insurance, such as Churchill’s DriveSure Telematics, is an innovative car insurance policy that uses technology to monitor driving habits. It is aimed at young drivers between 17-25 years. This type of insurance can offer discounts and benefits based on safe driving. Below is a detailed table outlining the features of the DriveSure insurance policy.
Benefits of Drive Insurance
- Cost Savings: Discounts for good driving scores.
- Safety: Encourages safer driving habits.
- Feedback: Provides real-time driving feedback via an app.
- No Mid-Term Premium Hikes: Premiums won’t increase mid-term due to driving scores.
- Renewal Discounts: Potential for renewal discounts based on driving performance.
Features of DriveSure Insurance Policy
| Feature | Value |
| Cover limit for lost keys | £1,000.00 |
| Courtesy car for duration of repair | Included |
| Uninsured driver promise | Yes |
| Cover limit for Legal Liability Cover for property damage | £20,000,000.00 |
| Underwriter | U K Insurance Limited |
| Cover limit for stolen keys | £1,000.00 |
| Storage after accident | Included |
| Cover for replacing original audio/visual equipment | Unlimited |
| New car replacement | Yes |
| Legal cover for manslaughter defence | Unlimited |
| Vermin & insects | Included |
| Misfuelling | Included |
| Cancellation fee (within 14 days, box not installed) | £0.00 |
| 24hr helpline available | Yes |
| Self-installed or engineer-installed box | Insurer’s choice |
| Is device removal mandatory at the end of the contract? | Yes |
| Is there an excessive speeding restriction? | Yes |
| Can your insurance be cancelled due to a poor driving score? | Yes |
| Can premiums increase due to driving score? | On renewal |
| Curfew | Yes |
| Digital capability | Yes |
| Are children’s car seats covered? | Yes |
| Cover limit for personal belongings inside car | £250.00 |
| Cancellation fee (within 14 days) box installed | £53.76 |
| Speed restrictions scenario | Yes |
DriveSure insurance is designed to promote safer driving and offers a variety of features to ensure comprehensive coverage and user benefits.
Churchill Car Insurance Policy Features
Churchill car insurance offers a variety of policy features tailored to meet different needs. This table outlines the key features, their availability, and associated costs. The aim is to provide a clear comparison to help you choose the right policy.
Churchill’s policies are comprehensive and flexible. They cover everything from basic liability to extras like courtesy cars. Understanding these features can help you make an informed decision.
Below is a detailed table summarizing the policy features for Churchill car insurance. This includes coverage details, availability, and additional factors to consider.
| Feature | Third Party, Fire and Theft | Essentials | Comprehensive | Comprehensive Plus |
| Injuries to other people | Unlimited | Unlimited | Unlimited | Unlimited |
| Property damage | £20,000,000 per accident | £20,000,000 per accident | £20,000,000 per accident | £20,000,000 per accident |
| Fire damage to your car | Market value | Market value | Market value | Market value |
| Theft or attempted theft of your car | Market value | Market value | Market value | Market value |
| Child car seat replacement | Unlimited | Unlimited | Unlimited | Unlimited |
| In-car entertainment (fitted when made) | Unlimited | Unlimited | Unlimited | Unlimited |
| In-car entertainment (fitted after made) | £500 | £1,000 | £2,000 | £2,000 |
| Removable electronic equipment | £500 | £1,000 | £2,000 | £2,000 |
| Theft of car keys | Not included | £1,000 | £1,000 | £1,000 |
| Courtesy car | Included | Included | Included | Guaranteed Hire Car Plus |
| Accidental damage to your car | Not included | Market value | Market value | Market value |
| Misfuelling | Not included | Market value | Market value | Market value |
| Lost or damaged car keys | Not included | Not included | £1,000 | £1,000 |
| Windscreen damage (approved supplier) | Not included | Market value | Market value | Market value |
| Personal belongings | £250 | £500 | £500 | £500 |
| Personal accident | £5,000 | £10,000 | £10,000 | £10,000 |
| Medical expenses | £200 | £400 | £400 | £400 |
| Hotel expenses | Not included | £250 | £300 | £300 |
| Uninsured Driver Promise | Included | Included | Included | Included |
| Vandalism Promise | Not included | Included | Included | Included |
| Motor Legal Cover | Check your details | Optional | Optional | Included |
| Guaranteed Hire Car Plus | Not included | Optional | Optional | Included |
| Protected No Claim Discount | Optional | Optional | Optional | Optional |
How to Contact Churchill Car Insurance?
Contacting Churchill Car Insurance is straightforward. They provide various methods to ensure you can reach them easily.
Below table outlines the different ways to get in touch with Churchill for your car insurance needs.
Whether you need to make a claim, inquire about a policy, or seek assistance, the contact details are provided below.
| Purpose | Contact Information | Details |
| General Inquiries | 0345 878 6680 | For general questions about your car insurance policy. Available Monday to Friday, 8am to 9pm; Saturday, 9am to 5pm; Sunday, 10am to 5pm. |
| Claims | 0345 878 6261 | To report an accident or make a claim. Available 24/7. |
| Windscreen Claims | 0800 328 9150 | For windscreen repair or replacement claims. Available 24/7. |
| Motor Legal Helpline | 0345 246 2408 | For legal advice related to motoring issues. Available 24/7. |
| Complaints | 0800 953 5335 | For lodging a complaint regarding your car insurance. Available Monday to Friday, 8am to 6pm; Saturday, 9am to 2pm. |
| Emergency Assistance Abroad | +44 161 931 8030 | For emergency help when you are driving outside the UK. |
| Renewals | 0345 878 6680 | To renew your car insurance policy. Available Monday to Friday, 8am to 9pm; Saturday, 9am to 5pm; Sunday, 10am to 5pm. |
Conclusion
Churchill car insurance offers competitive rates and easy policy setups. Customers appreciate the user-friendly website and smooth renewal process. However, some face issues with claims and customer service.
DriveSure Telematics is a unique policy for young drivers, rewarding safe driving with discounts. The policy includes comprehensive coverage and real-time feedback via an app. Despite some drawbacks, many find Churchill’s overall value appealing.
For young drivers and tech-savvy customers, DriveSure provides an innovative insurance solution. Churchill’s mix of benefits and areas for improvement make it a notable choice in the car insurance market.
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