Compare Churchill Car InsuranceCar Insurance Quotes

Churchill has sold car insurance direct to UK drivers since 1989, one of the first insurers to deal with customers itself rather than through a broker. It's best known for the nodding dog, Winston, a fixture in its advertising since the 1990s. Direct Line Group owned Churchill from 2012 until Aviva completed its acquisition of Direct Line Group in July 2025, so Churchill now sits alongside Direct Line under the same parent company rather than being the same product.

We're partnered with Quotezone.co.uk, as an Introducer Appointed Representative of Seopa Ltd (FCA FRN: 313860). Churchill is part of Quotezone's panel of insurers and is included when you run a car insurance search. Quotezone compares your details against the underwriting criteria set by Churchill, alongside every other insurer on its panel. That means a quote from Churchill isn't guaranteed on every search. It depends on how your profile matches their risk appetite on the day, along with factors like your car, postcode and driving history. Quotezone runs the comparison and includes them in the results alongside other insurers. HowMuch doesn't have a direct commercial relationship with Churchill. We receive a commission if you purchase a policy. We do not provide advice or make recommendations.

Comprehensive

Churchill's standard level of cover. It protects your own car against theft, fire damage and accidental damage, and covers claims from other people for injury or damage to their property. Standard features include:

• 24-hour accident recovery
• Churchill guarantees repairs for five years when you use an approved repairer
• No Claim Discount protection option once you've built up four or more years claim-free
• New car replacement if your car is stolen and not recovered, or written off, within its first year and you're the first registered keeper
• Personal accident cover for the policyholder and their spouse or partner
• Medical expenses cover following an accident
• Cover for personal belongings left in the car
• A vandalism promise, so a vandalism claim doesn't cost you your No Claim Discount

Comprehensive Plus

Churchill's top tier of car insurance. It includes everything in Comprehensive cover, plus higher cover limits and extras that come as standard rather than optional add-ons:

• Guaranteed Hire Car Plus, a replacement car for up to 21 days if yours is stolen and not recovered, or damaged in an accident
• Motor Legal Cover, up to £100,000 in legal costs for accidents that aren't your fault
• Automatic Foreign Use, so driving abroad is covered without an extra charge

Third Party Fire and Theft

the legal minimum level of cover, worth considering mainly for older or lower-value cars. It covers:

• Injury or damage claims made against you by other people
• Fire damage to your own car
• Theft of your own car

• No Claim Discount Protection, protects your No Claim Discount if you've built up four or more years claim-free, covering one fault claim in the current policy year or two fault claims across the previous three years
• Motor Legal Cover, adds up to £100,000 in legal costs to pursue a claim after a non-fault accident, included as standard with Comprehensive Plus, and available to add to Comprehensive and Third Party Fire and Theft policies
• Guaranteed Hire Car Plus, provides a replacement car for up to 21 days if yours is stolen and not recovered, or damaged in an accident, standard with Comprehensive Plus, optional with Comprehensive
• Breakdown cover through Green Flag, with four levels available, from roadside-only assistance up to home start and European cover

Churchill suits drivers who want a well-established comprehensive policy with strong standard benefits built in, like the five-year approved repairer guarantee and the vandalism promise, rather than a stripped-back budget option. Comprehensive Plus earns its higher premium for drivers who regularly take their car abroad or want guaranteed hire car cover included rather than added on later. It's a weaker choice for drivers chasing the cheapest possible Third Party Fire and Theft price, where budget-focused insurers usually undercut it.