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Churchill is the UK’s first direct motor insurer, founded in 1989 by Martin Long.

In 1990, the insurer extended their services to include home insurance, before later adding car, pet, travel, breakdown, and van cover to their repertoire.

Aside from their list of comprehensive policies on offer, the company is perhaps best known for its adorable canine mascot, ‘Churchie’ the English Bulldog.

Who underwrites Churchill home insurance?

Churchill Home insurance policies are underwritten by UK Insurance Limited.

Types of home insurance available with Churchill

Churchill offers three types of home insurance:

  • Buildings insurance
  • Contents insurance
  • Combined buildings and contents insurance

These insurance types are available across two tiers: Home Insurance (standard) and Home Plus.

Policy LevelPolicy TypeBuildings max sum insuredContents max sum insured
Home InsuranceBuildings£1 millionN/A
Home PlusBuildingsUnlimitedN/A
Home InsuranceContentsN/A£50,000
Home PlusContentsN/A£100,000

Home Plus included additional cover

Churchill’s Home Plus insurance policy includes everything found in their standard policy option, as well as the following optional extras:-

Home emergency cover

Churchill will cover for emergency repairs, call-out charges, labour, and new parts.  You’ll all have access to a 24-hour emergency helpline, an advisor will contact an authorised repairer to help deal with any number of home emergencies – such as your boiler breaking down or a bust pipe leaking through your ceiling.  This also includes cover for removal of pest infestations in your home, as well as any damage to external locks on windows and doors.

Accidental damage

Provides cover for a range of issues – from dropping your laptop to spiling coffee on a new white carpet. Aside from your contents being covered for all sorts of eventualities, your buildings will be covered for accidents such as hammering through the floorboards into a gas pipe while you’re doing DIY. Damage to fixture and fittings is also covered.

Covered for legal costs up to £100,000 (as long as there is more than a 50% chance of success) for issues such as a bad holiday experience, shoddy work done by tradesmen, or to pursue a personal injury claim if you or a member of your family who lives with you is involved in an accident that you didn’t cause.

Personal possessions cover

Builds upon standard contents insurance – which only covers items inside the home – by covering personal belongings you take out of the home (e.g., mobile phone, bicycle, wallet etc.) for loss, accidental damage, and theft.

Not sure which level of cover is right for you?

The table below is a side-by-side comparison of what Churchill’s standard and Home Plus buildings and contents insurance policies have to offer.

PolicyChurchill Standard (contents)Churchill Standard (Buildings)Chuchiil Standard (combined buildings and contents)Churchill Home Plus (Contents)Churchill Home Plus (Buildings)Churchill Home Plus (combined buildings and contents)
Alternative accommodation, rent and kennel feesN/A£25,000£40,000N/A£50,000£80,000
Trace and accessN/A£5,000£5,000N/A£10,000£10,000
Property owner’s liabilityN/A£2 million£2 millionN/A£5 million£5 million
Storm or floodYesYesYesYesYesYes
Water or oil escaping from fixed water or heating systemsYesYesYesYesYesYes
Theft or attempted theftYesYesYesYesYesYes
Fire, explosion, lightning, earthquake and smokeYesYesYesYesYesYes
Being hit by vehicles, aircraft flying objects and animalsYesYesYesYesYesYes
Subsidence or heave of the site on which your home stands, or landslipYesYesYesYesYesYes
Vandalism or malicious actsYesYesYesYesYesYes
Falling trees or branchesYesYesYesYesYesYes
Falling TV aerials, radio aerials, satellite dishes and their fittingsYesYesYesYesYesYes
Frost damage to water pipes and tanksN/AYesYesN/AYesYes
Rot, civil unrest, labour disputes or political disturbancesYesYesYesYesYesYes
Weight of snowN/AYesYesN/AYesYes
Frozen and chilled foodsYesN/AYesYesN/AYes
Moving HomeYesN/AYesYesN/AYes
Service pipes and cablesN/AYesYesN/AYesYes
Loss of keysYesYesYesYesYesYes
Oil and metered waterYesN/AYesYesN/AYes
Emergency entry to buildings and gardensN/AYesYesN/AYesYes
Clearance costsN/AYesYesN/AYesYes
Professional feesN/AYesYesN/AYesYes
Government or local authority regulations and requirementsN/AYesYesN/AYesYes
The time between exchange and completion when selling your homeN/AYesYesN/AYesYes
Contents outside£1,000N/A£1,000£2,500N/A£2,500
Contents temporarily away from your home£5,000N/A£5,000£10,000N/A£10,000
Contents at university, college or boarding school£5,000N/A£5,000£10,000N/A£10,000
Download content£1,000N/A£1,000£3,000N/A£3,000
Garden plants£1,000 per claim, up to £250 per plantN/A£1,000 per claim, up to £250 per plant£1,000 per claim, up to £250 per plantN/A£1,000 per claim, up to £250 per plant
Birth of a child, religious festivals and weddings or civil partnerships!0% of contents sum insuredN/A 10% of contents sum insuredN/A 
Title deedsYesN/A YesN/A 
Personal liability£2 millionN/A£2 million£5 millionN/A£5 million
Employer’s liability£5 millionN/A£5 million£10 millionN/A£10 million
Tenant’s liability£5,000N/A£5,000£10,000N/A£10,000
Valuables single item limit£2,000N/A£2,000£4,000N/A£4,000
Alternative accommodation and storage£15,000N/A£40,000£30,000N/A£80,000
Theft from outbuildings/garages£2,500N/A£2,500£5,000N/A£5,000
Money in the home£500N/A£500£1,000N/A£1,000
Business equipment£5,000N/A£5,000£10,000N/A£10,000
Guests’ belongings£500N/A£500£1,000N/A£1,000

Excess and no-claims discount

The minimum excess with Churchill is £100 (excluding subsistence and escape of water), but you can opt for voluntary excess up to £500. A £1,000 subsidence excess is applicable if you make a subsidence claim.  And a claim for a burst pipe or water leak will cost £450.

Churchill also offers a discount on your premiums the longer you’ve held your policy without needing to make a claim.

However, although the discount you’ll accrue for not making a claim will add up year-on-year, the biggest discount will come after five or more years of no claims.

Defaqto rating

Churchill gets a five-star Defaqto rating for both their standard and Home Plus home insurance options.

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