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Churchill Home Insurance Review

by Oliver Thompson

Churchill Home Insurance

Churchill Home Insurancequote

Churchill is one of the UK’s largest insurance providers, with experience offering home insurance for almost twenty years. They are also part of the Royal Bank of Scotland Group.

Churchill offer the following benefits with their home insurance:

- A 25% introductory discount for new home insurance customers
- Up to 30% no-claims discount when you join or renew
- A 15% online discount
- Buildings cover for up to £500,000
- Contents cover for up to £50,000
- New for old replacement (excluding bicycles, clothes and linen)
- Your legal liability as owner of your home, up to £2 million
- 24-hour claims and emergency helplines
- UK call-centres

Their contents insurance also covers the following:

- Business equipment up to £4,000
- Theft from outbuildings up to £2,000
- Jewellery and antiques, up to £15,000
- Money in your home and contents of your freezer
- Replacement locks if your keys are stolen

Additionally, Churchill also offer extra cover options for Accidental Damage, Personal Possessions, and Home Emergency Legal Protection.

Website: Churchill Home Insurance

Churchill Customer Experiences

The customer experience of Churchill home insurance is surprisingly varied.

Like with most insurance providers, Churchill make the initial signing-up process quick and easy. Many customers were attracted to stay with the company following a friendly and helpful singing-up process.

Unfortunately, a large amount of complaints start with the perceived poor service offered by Churchill and the unhelpfulness of their staff when it comes to making as claim.

Others complain that claims take a long time to process and that they feel like they are made to jump through a series of hoops just to get the money. Occasionally, a claimant may only be offered a fraction of the original quote.

At the same time, some customers praise Churchill’s customer service and the level or protection offered. Others note that (for small claims) the process is surprisingly quick.

Perhaps one of the most appealing things about Churchill is that they offer very competitive prices that few customers can beat elsewhere.

Overall Review for Churchill Home Insurance

Churchill Home Insurance is generally a good choice, especially if you are looking for a cheap price. Their introductory and online discounts also makes their value for money very appealing.

However, the trade-off is that the process of making a claim may take longer than you’d prefer.

Yet, relative to other insurers in the market, Churchill is one of the better ones. Additionally, it is also the only one with few complaints about the repair work it contracts out to local firms. This may be a critical advantage.

Website: Churchill Home Insurance

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News posted: November 21, 2008

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1 Comment

  1. My annual home insurance premium is over £500pa yet Churchill are debating my claim for flooding because of stipulations not disclosed in their policy booklet, and which contradict themselves and the general interpretation of the term flood. They keep playing for time and it doesn’t look good, and I’ve already been ignored by the ‘complaints’ procedure (try to speak to someone via their Complaints Line and you’ll discover there isn’t one). I’ve already spoken to the FSA and FOS along with my legal advice protection. Only Churchill it seems have a different opinion on my claim being valid. It makes an already stressful situation (I’ve spent the last 18mths in a caravan in my garden with two toddlers because my house is inhabitable) trying to diagnose and evidence my waterlogging problem, now to discover that my insurance company is dishonerable. And now my policy is up for renewal I can’t even move elsewhere!! A living nightmare.

    Comment by PBR — September 28, 2010 @ 5:18 pm

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