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For further help, please contact us by phone or email and we'll be happy to help you. | Car insurance information
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Comprehensive covers damage to your car as a result of accident, fire or theft as well as cover for windscreen damage. You are also covered for third party damage if you have an accident. Comprehensive cover includes other items such as personal accident, injury, death of policyholder, medical expenses, personal effects and in-car entertainment.
Third party fire and theft covers damage to your car as a result of fire or theft and covers for third party damage if you have an accident.
Our system relies on a house name or number, and full postcode, which we check via the Royal Mail registered address listings. Our database is updated every six months and should therefore be able to recognise your address. We are aware that there are a small number of properties, which, for a variety of reasons, do not appear on our site. We are currently working to eliminate this problem.
If you require a quote urgently, then please contact us.
In most cases you only have to enter your registration number on the first page and our system will find the exact vehicle details without having to go through the vehicle selection screens. Where our system cannot find the registration number, normally on very new cars that are only just registered, or you don't know the registration number (you may be looking to buy a new car) you are taken through selection screens that drill down through the manufacturer, model and year to a give a short list of vehicles that can then be selected from.
The document you are required to submit as proof of your no claims discount is a renewal notice from your previous insurer. If this does not state your no claims discount (NCD) entitlement or is not available to you simply call your previous insurer and request confirmation of your NCD that you can then forward on to us.
We are able to extend your policy to cover more than one vehicle on a short-term basis. If you would like to do this, please call us. If you need cover for a second vehicle on an ongoing basis you will need to set up a separate annual policy online.
Yes, you will still be able to obtain a quotation without the registration number. Please fill in the relevant fields surrounding this question. Once these are filled in please click on the continue button, which will then prompt you to choose the car details.
If you have saved a quote and entered a password you can retrieve your quote using the retrieve quote function in the bottom right of the Churchill homepage. If you have done a quote but not saved it you will need to enter your details again.
Yes - when you are asked for your type of licence, please select "provisional".
If you have a foreign licence, please call us for a quote. Our site is only designed to give quotations for drivers with a valid UK/EU driving licence.
To find out whether your existing policy includes business use, please check your policy documents or contact us and we'll check for you.
We don't currently offer the facility to change or view policies online. Please call us to check and change your details.
The pass plus discount is not available online - please call us to add it to your policy.
We are able to extend your policy to cover more than one vehicle on a short-term basis.
If you are buying a new car and want to transfer you existing policy over, you would need to contact us at our customer services department and amend your current policy. There may be a variation in price and a change in the underwriting criteria for the new car, but this will be discussed with you.
Our policy covers, on a Third Party Only (TPO) basis, any vehicle insured by us for towing a trailer (including a caravan, trailer tent or horse box) or disabled mechanically propelled vehicle (i.e. towing a broken down car) as allowed by law. However, we are not liable for any claim arising from loss of the towed trailer or vehicle or property being carried in or on the towed trailer or vehicle and while such trailer or vehicle is being towed for reward.
Churchill car insurance is underwritten by Churchill Insurance Company Limited.
The policy must have been issued by an insurer from an EU country (proof must be written in English). NCD earned in Australia, New Zealand or South Africa is acceptable provided it is written in English and the NCD level is shown in years and not as a percentage.
If you've previously driven a company car, not a pool car, including business and pleasure use, we may be able to offer you a no claims discount. You must have surrendered the company car within the last year, be claim free and able to supply a letter from your employer to confirm this information.
Yes, you can use your motorbike no claim discount for your car insurance, but only providing you have surrendered the motorbike policy.
Our no claim discount protection (NCDP) scheme is available to policyholders with either 4 or 5 years' earned NCD. Under the scheme you will not suffer any loss of no claim discount if you make no more than:
Yes, you can have an annual green card that is free of charge. However, this only gives you the minimum cover in the country you are driving in (I.e. the equivalent or less than the UK’s Third Party Only insurance), but you can extend your policy to allow the same cover you enjoy in the UK (I.e Comprehensive or Third Party Fire and Theft) by paying an additional charge. This is called a Foreign Use Extension.
To counter weekend or short trips, we do allow trips for 3 days or less free of charge. We allow a maximum of 90 days’ Foreign Use per policy year.
Please call us to arrange your cover.
Please call us to check or change your details.
You can hire a car and cover it under your car insurance if your car is in a garage. The hire car can be used in the event of an accident, fire or theft claim. Just contact us with full details of the vehicle and the duration it is to be covered and we will add the vehicle on for you. A small charge may be made dependent on the vehicle details.
You can temporarily add a driver to your car insurance. Please contact us with full details of the additional driver and we will add the driver for you. The charge will be dependent on the details of the risk.
We do not issue cover notes, only Certificates of Insurance for the period of cover. These are sent out within four working days of the policy being accepted. We issue a confirmation email that is sent to you after accepting a policy on the Internet. This is usually sent to you within 24 hours.
The car insurance policy documents are available to read online on this website.
Please call our customer service department to request this.
You are able to change the level of cover you have. If the car is not going to be used we can reduce your cover to Accidental Damage, Fire & Theft or just Fire and Theft only - this is known as a laid-up policy. We require that the car is kept in a locked garage, you have no road use whatsoever and the Certificate of Insurance must be returned. The premium will be adjusted to reflect the reduction in cover.
Alternatively we can suspend the cover completely. Payments will need to be taken, however providing your suspension exceeds 28 days we will offer a return premium for the time you have spent on suspension in excess of this period. Please remember that if your car is off the road you need to inform the DVLA and request a SORN (Statutory Off-Road Notification) certificate.
If you have paid an annual premium and the policy is cancelled prior to renewal date, a partial refund would be made (provided no claims have been made during the period of cover).
Our cancellation procedure requires you to send the Certificate of Motor Insurance along with a covering letter to us. Once we receive the Certificate, we will then cancel your policy and calculate the refund from the date we receive the certificate. This is provided no claim (that would normally affect No Claims Discount) has arisen since inception or last renewal date. If a claim has been made the full annual premium normally remains payable following cancellation. Any refund will depend on when you wish to cancel your policy. A cancellation fee may apply. This fee reflects the administrative costs of providing the policy. Our current cancellation rates can be found on your Schedule, or call us. Where a policy is being paid by instalments there may be an outstanding balance to be settled following cancellation. If you cancel before your policy is due to start, we will return any premium you have paid in full. There are several alternatives to cancellation that may apply including substituting the vehicle on cover, reducing the level of cover and suspending the policy.
It is illegal to hold a hand held mobile phone or similar device while driving a motor vehicle. It is also illegal to hold a mobile phone and use it for texting, internet access or video operation while driving a motor vehicle. There are various penalties imposed if you get caught.
Provided that a mobile phone can be operated without holding it, a hands-free kit with a mobile phone is not prohibited by the regulation.
However, hands-free kits can be distracting and you risk prosecution for failing to have proper control of a vehicle if you use a hands free kit when driving. If there is an incident, the use of a hands free kit with a mobile phone might result in charges of careless or dangerous driving.
Further information about the use of mobile phones when driving can be obtained on the Department for Transport website.
CLAS is not automatically included in your policy, it is an optional extra which you can buy in addition to your car insurance for as little as £1.84 a month.
If you have bought CLAS, the cover can be used following any road traffic accident involving your car which is not your fault. We will pay the legal costs of appointing a solicitor to help recover any uninsured losses.
CLAS provides cover for all drivers named on your current Certificate of Motor Insurance and for any passengers travelling in your car at the time of the accident.
No, CLAS can only provide cover for the car described in your current Certificate of Motor Insurance.
CLAS provides cover within Great Britain, Northern Ireland, the Isle of Man, the Channel Islands and any other country described in your current policy booklet.
It is important that you take the driver’s details, their vehicle registration number as well as the make and model. The details of the driver responsible for the accident are necessary if we are to recover your losses from them.
If you are involved in a road traffic accident which is not your fault we will pay the legal costs of recovering compensation for any injuries received and any loss of earnings sustained.
No, you only pay the annual premium. All expenses related to your legal claim are covered by the policy.
CLAS will pay the other side’s costs if you lose as well as any expenses relating to your claim, such as medical reports and counsel’s opinion.
It applies to all drivers insured under the policy.
Once purchased Guaranteed Hire Car can be used whenever a valid claim is registered. There is no limit to the number of times it can be used in one year.
Guaranteed Hire Car as a product will not impact NCD, however it can only be used when a valid claim has been registered which may impact NCD.
Guaranteed Hire Car Plus is available on your comprehensive motor policy for a small extra premium. The additional benefits include:
Unlike the majority of hire car products, Guaranteed Hire Car Plus will provide you with a car of a similar size to your own. We look to match the physical size of your car (up to a large family estate car) and consider your engine size although we can’t guarantee a precise match. If you have a van, we will endeavour to match it's physical size.
We cannot guarantee you will get the same car as your own as this would involve matching makes and models of cars, colours, optional extras and modifications which is not possible for us to do.
It applies to all drivers insured under the policy.
Once purchased Guaranteed Hire Car Plus can be used whenever a valid claim is registered. There is no limit to the number of times it can be used in one year.
Guaranteed Hire Car Plus as a product will not impact NCD, however it can only be used when a valid claim has been registered which may impact NCD.
We will endeavour to provide disabled drivers with a suitable hire car. If we are unable to provide a suitable hire car, we will pay travel costs up to the amounts stated in the relevant section of your policy booklet.
An excess will be payable if you have an accident in a hire car provided under the Guaranteed Hire Car Plus option. You will pay the current level of excess on your policy. Please refer to your schedule for your details of windscreen excess.
You may be eligible to pay by instalments, subject to our normal instalment criteria.
Yes, you do need to pay a small excess if your windscreen is repaired. An excess is also payable when a windscreen is replaced.
