Churchill Bewertungen 29 216

Was happy with renewal price through Confused.com, also with Churchill. Phoned to see if Churchill could match the price but no reduction could be offered at all. Considering it was £20 cheaper with Confused.com plus a £20 voucher and free drinks at Greggs, I was very disappointed with my contact with Churchill. Decided to cancel automatic renewal and get new Churchill policy via Confused.com.

Trying to change my car, got a quote, saved it, no admin fee, monthly price went down £6,
Messaged them to confirm no admin fee, she confirmed there wasn't.
Went through app to change, retrieved quote, £10.08 admin fee, price up £10 a month. So let's just say, its not guaranteed for 30 days.
I'm currently on WhatsApp, being a told there is a charge, complete contradiction to the woman not 2 hours ago.
Now, ive asked about a cancellation fee, 20mins, no response.
I'm going to get well away from this company. Someday, sometime. Probably out of pocket.

renewal came and it was £150 pound more than another top company . I went with the other insurance then went to cancel with churchill but they hit me with over £50 admin fee for cancelling my car insurance . Never again will i use churchill , obviously this is somewhere in the loads of pages in the documents

Since my accident in October 2025, U K Insurance Limited (Churchill/Direct Line Group/Aviva) has subjected me to a systematic campaign of negligence, sabotage, and administrative obstruction. Below is a detailed summary of their failures to date:

1. ​Wrongful Accusation of Fault: Baselessly accused me of being at fault for the incident, despite dashcam footage proving my innocence and the third party already admitting full liability in writing.

2. ​Lethal Safety Failures: Twice returned my vehicle in a "massively unsafe" condition. The vehicle had a misaligned subframe, causing it to pull violently to the left—a life-threatening defect they failed to identify or rectify before signing it off as "roadworthy."

3. ​Mechanical Sabotage (Criminal Damage): In an act of shocking incompetence, repairers used an angle grinder to cut chunks out of my Catloc (catalytic converter lock) to save time, rather than following manufacturer procedures.

4. ​Incompetent Diagnostics & Refusal to Repair: Failed to identify damage to the catalytic converter and the air conditioning system. Despite providing evidence that the aircon was fully functional days prior to the accident, the insurer has steadfastly refused to repair the unit, leaving the vehicle incomplete.

5. ​Forced Independent Inspection: After the insurer failed twice to fix the car, I was forced to make all arrangements for an independent inspection by a Toyota Main Dealer. This placed an immense amount of stress and pressure on me, effectively forcing me to do the insurer's job for them while they obstructed the process.

6. ​Professional Obstruction: Actively interfered with the Toyota inspection, attempting to dictate the scope of their work and instructing them to perform unnecessary, costly procedures to avoid addressing the core subframe failure.

7. ​Ignoring Expert Evidence: Summarily ignored the technical findings of the Toyota report which confirmed the vehicle was unroadworthy and the insurer's "repairs" were dangerous and improper.

8. ​The "Courtesy Car" Shakedown: Refused to provide a courtesy car for months, and attempted to charge me £100 for a windscreen chip on a loan vehicle months after the event had occurred.

9. ​Financial Hardship & Doubled Fuel Costs: By withholding my hybrid vehicle for 6 months, they have doubled my fuel costs. I have been forced to drive an inefficient petrol vehicle, incurring hundreds of pounds in avoidable expenses during a cost-of-living crisis.

10. ​Unauthorized Wear & Tear: Due to their refusal to provide a courtesy car for months, I was forced to put unnecessary wear and tear on my partner's car, depreciating its value and increasing maintenance costs through no fault of our own.

11. ​"Death by Admin": Forced me into a "war of attrition" involving over 250 emails and countless hours of my own time seeking accountability that never came.

12. ​Statutory Data Breach (GDPR): Illegally ignored a Subject Access Request (SAR). When challenged, they provided a "Sham Disclosure" containing irrelevant old data from an unrelated policy to conceal current safety reports.

13. ​Timeline Manipulation: Attempted to retroactively "reset" legal statutory clocks to cover their own administrative failures, claiming their own written acknowledgments of my request date were "typing errors."

14. ​Unlawful Barriers to Access: Imposed an arbitrary 10 business day window for ID submission—an unethical and illegal attempt to close the door on my data rights.

15. ​Breach of FCA Consumer Duty: Failed in their legal duty to "act in good faith" or "avoid foreseeable harm," knowingly allowing me to suffer significant financial, emotional, and physical risk.

16. ​Failure to Support Vulnerability: Ignored formal notifications of financial hardship and emotional distress, failing to trigger mandatory "Vulnerable Customer" protocols required by the FCA for customers in crisis.

17. ​Data Integrity Concerns: I believe the insurer is knowingly withholding data, and I suspect this is a tactical delay intended to "cleanse" or alter internal notes before disclosure. This remains yet to be confirmed as my DSAR is still outstanding.

​18. The "Wall of Silence": Despite escalating to the highest levels, including Amanda Blanc DBE (CEO of Aviva), I have been met with a total refusal to take accountability for the distress or financial impact caused.

19. ​Multiple Regulatory Investigations: My case is currently under formal investigation by the ICO, FOS, DVSA, and the FCA, with my local MP now formally intervened.

​Status: Over 6 months later, they still have my car, they still have my data, and they continue to treat UK Law as optional.
​!!Avoid this group at all costs!!

Plain, straight forward information enabling you to make the right choice to suit your requirements.

Easy simple renewal, competitive price.

Always good communication.

Reneable insurance by automatic system recomended.

Fantastic value for the cover needed and easy to navigate website

I’d had my renewal from another company which I’ve used for quite a few years without having to change but thought the renewal fee was very expensive. I received the same cover for £50 a year less with Churchill.
The lady I spoke with was very helpful.

My car renewal quote from Churchill was more expensive than a like for like new quote from Churchill despite being told existing customers are treated the same as new customers. Following Churchill’s Response to my review :
I did check, the quote was like for like and was exactly the same as my renewal. When taking the new quote I was told on the phone that existing customers are treated the same as new customers. My renewal quote was around £100 more than the identical new quote online that I was given. I am happy to search for the best deal each year but not to be told once purchased an insurance that old and new customers are treated equally when in my case my views was that this was not correct.

Claim was dealt with in a timely manner and minimal fuss

No problems-didn’t have to wait too long on the phone.

The renewal clerk was excellent.
The claims department was supposed to ring me back two weeks ago. It's now 16th April 26.
I'm still waiting for the call !!!!

Claim is just being ignored by engineers. I am a third party hit by one your customers and a month later I have done eveything I should have done and still no call, email feedbck other than the engineers have been in the file. Simple case - no personal injury. Been to the garage that you recommended / referred to me and 2 weeks later your engineers still cant seem to approve a very simple case. Funnily enough now been signed off after i left this review and garage been in touvh but I now have to ring thier contact centre again to organise car hire. This shoudl be be done proactively. I am the wronged party - why am I having to chase everything up ?

Very happy with my yearly premium. I expected it to be more but it was in fact less than the previous year.

Even though my case got closed almost a year ago I do not intended to stop complaining about the level of corruption within this company and that's all down to one incompetent liar of an engineer!
I got a new car but unfortunately it got a minor carpark bump when it was only 4 months old, Churchill informed me that DLG Autos in Glasgow would be repairing the damage but when my car was returned the windscreen, rear screen, both side windows at each side, both mirrors and the sunroof was covered in hundreds upon hundreds of speckles.
DLG took my car back into their garage for 3 days to polish up the glass work, that did not solve this issue, on 2 occasions a team leader inspected my car and on another occasion 2 team leaders inspected it, Churchill's engineer also inspected it but no one could see these speckles due to the fact they need direct sunlight to be visible, this all happened between 21/08/2024 - 12/11/2024.
On 20/03/2025 my car went into the dealership for it's first service and I asked if someone would have a look at the windscreen, they didn't see the speckles either but noticed stone chips, there is 2 small stone chips on the screen and I informed Churchill of their findings.
The speckles I'm referring to are only visible in direct sunlight and can only been noticed from inside my car, these 2 stone chips can been seen in all weathers from inside and outside of my car.
Churchill engineer came back out for a second time to inspect my car on 08/04/2025 having knowledge of these stone chips and he said that the overall damage to ALL my car glasswork was done by stone chips HOWEVER 4 members of staff did not detect these stone chips including the engineer which proves those stone chips weren't there and must have happened between Nov '24 & Mar '25 so it looks like he thought he would just take up on the outcome of the dealership without being able to provide me with concrete evidence, during this inspection he hardly looked at any other glass panel on my car apart from the windscreen because he was scrutinising it to detect these stone chips, in my opinion a professional engineer would be looking at the more unusual places to get stone chips such as the sunroof, door mirrors etc....I always thought you drove into a stone chip but seemingly they can fall from the sky and even about turn the damage the mirrors, the rear screen and side windows!!
In my opinion these speckles are weld burns caused by an incompetent member of staff at DLG
Later I found out this CORRUPT engineer that covers the Glasgow area is employed by UK Insurances Ltd and he works for both Churchill and DLG Autos so there's a conflict of interest here.
I asked questions such as how can every panels of glass on a car get covered in stone chips
I asked how none of the paintwork on my car was damaged by these stone chips, my car is a Mazda CX5 in Soul Red and it's supposedly the worst paint for easily getting chipped
I also asked why none of these staff members identified these stone chips
Each time I asked a question Churchill's case handler told me if I wasn't happy with the outcome go to the Financial Ombudsman because according to him they employ the best engineer in the business...I am talking about an engineer that can not back his outcome up with facts
I also asked how he identified stone chips from weld burns and the reply I got was if it was weld burns they would bubble the glass work....that answer is ERRONEOUS!! however that's the best this 'expert' could come up with and I lost my case!!
Weld burns can surface damage glass on a car but they will guide off of polished surfaces without damaging the paintwork, however Churchill did absolutely no research into this, never in my 50 years driving have I heard of stone chips doing this amount of damage.
I did however go to the Financial Ombudsman but without doing any research as it was an organisation I have heard of but I was shocked to discover they have a Trustpilot rating of 1.3 stars and they had the final say in my case and closed it down because I couldn't provide more evidence but again the Financial Ombudsman refused to answer any of the above questions on this review that I asked Churchill and the reason for that is this organisation works for the huge multi million pound companies and going by their reviews that is the general outcome of this organisation, they're all as corrupt as each other and they're all in it together
My overall though is that this engineer based his outcome on guesswork because he could not back anything up with evidence, he's a liar and he's also incompetent but he tried to make me out as being the lair, it will cost me thousands of pounds to replace the damaged glass and it's all down to this rogue!!
NOT ONE PERSON THROUGHOUT THIS PROCESS ANSWERED MY QUESTIONS, THE REASON FOR THAT WAS THAT THEY HAD NO ANSWERS, JUST LIES!!!!

Great service at a great price.

Easy form to complete, simple and straightforward.