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18 Dec 2023

Churchill home insurance review

Read Which?'s expert review of Churchill's home insurance. Find out how we its policies against other providers

Maha GadirMarket analyst

In this article

What does Churchill offer?
Does Churchill offer the best home insurance?
How good are Churchill's home insurance policies?
How did customers rate Churchill's home insurance?
How can you save money on Churchill home insurance?
How can I claim?

What does Churchill offer?

Churchill is a UK-based insurance company, famed for its grinning bulldog mascot. Since 1990, it has offered home insurance and has now broadened its product range to include car insurance, travel insurance and pet insurance.

The insurer is part of the Direct Line Group, which also includes Direct Line, Green Flag and Privilege, and its home insurance is underwritten by UK Insurance Ltd.

We've reviewed Churchill's standard Home Insurance offering and its more comprehensive Home Plus policy.

Among the features that come as standard with Home Insurance are burst pipes cover and cover for lost and stolen keys. You can pay more to include accidental damage cover, home emergency cover, personal possessions, boiler cover and legal protection.

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Does Churchill offer the best home insurance?

We've rated dozens of insurers on their policies and, where possible, customer service. Members can log in to read our full reviews.

If you're not already a member, join Which? and get full access to these results and all our reviews.

We analyse and rate 21 aspects of buildings cover, 40 areas of contents cover, and 25 features applicable to both (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

How good are Churchill's home insurance policies?

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

How did customers rate Churchill's home insurance?

We've talked to customers who recently claimed to score insurers on their customer and claims service.

Members can log in to see these scores. If you're not already a member, join Which? and get full access to these results and all our reviews.

How can you save money on Churchill home insurance?

Churchill's policies can be bought both online and over the phone – but it's cheapest via comparison websites or online.

Check to see which prices are available through both channels – whether you're a new customer or you want to find out if Churchill's latest renewal offer is really the best it can do. It's currently on the following comparison sites:

Go Compare
Compare the Market
Confused.com
MoneySuperMarket

If you're with another insurer but are thinking of changing insurer, Churchill offers a £55 contribution towards cancellation fees incurred from making an early switch.

It also offers a discount for buying contents and building cover together

Above information correct as of March 2023. For more on ways to save money when buying insurance, see our guide.

Check you're getting a great deal and search for a new home insurance policy using the service provided by Confused.com. Get a quote now