Churchill Home Insurance Reviews
Latest Reviews
★☆☆☆☆
“worst insurance ever ”
Written on: 16/05/2013 by sharonharvey (3 reviews written)
phone churchill why police was with us after beaning burgle they spoke to the police at the same time. next day no record. it was 3 weeks before a lost adjuster came out. it took 6 weeks from being of February with snow on the ground before the patio (glass only) window was repaired.(in this time know one came out to secure the property. this was only repaired because i demanded someone comes out as we was going away abroad for 2 weeks. they repaired it the day before we went. it has now... (read more)
★★☆☆☆
“Claim free loyal customers penalised ”
Written on: 19/04/2013
I've had home insurance with Churchills for 3 years without claim. Despite my loyalty plus having car insurance with them, my renewal schedule was more than double it was last year!! I went on the internet to compare prices and discovered to take out the same exact policy with Churchills but as a new customer it was almost £300 cheaper........ (read more)
★☆☆☆☆
“No reward for claim free, loyal customers.”
Written on: 13/04/2013
I have been with Churchill for years, yet every year my renewal comes through, it is more than the previous year. This is despite the fact that I have 9yrs claim free history! Why not reward people who do not make claims and drive up the renewal premiums for those that do? Greed, that's why. (read more)
★★☆☆☆
“Beware of automatic renewal!”
Written on: 06/02/2013 by jimsusan (1 review written)
My home insurance was due for renewal on 1/2/13. I took it out with a different company to Churchill as I had obtained a better quote. Lo and behold when I returned from holiday I find that Churchill have 'assumed' that I would be staying with them and put in place an automatic charge against my credit card. When I queried this with them and explained that at no time had I authorised an 'automatic renewal' they said that it was part of their 'on-line' system and that if I hadn't wanted this... (read more)
★☆☆☆☆
“Renewal Schedule Costings Scam”
Written on: 03/01/2013 by SamMaund
I've just received Churchill's Home insurance renewal premium offer, with 6 years NCD, of £693.24. Entered exactly the same details as on the renewal notice into Money supermarket - Churchill's offer was £341.32. Phoned up Churchill, they offered £346.62. The adviser was unable to explain the 100% price difference but did say that this is why it's best to check yourself. Imagine if I was too elderly, frail or otherwise unable to check. Have decided not to renew with them...... (read more)
★★★★★
“wow wow wow”
Written on: 05/09/2012
had a small leak from radiator,came round assesed paid out,no hassle (read more)
★★★★★
“No problems”
Written on: 26/08/2012 by manic_monkey (1 review written)
I was with Churchill for 2 years and made two claims, one for storm damage and one when I put a nail in a central heating pipe. Churchill covered me on both occasions and both claims settled hassle free. The only problem I had was that it takes a long time to get through to the call centre when making a claim. (read more)
★☆☆☆☆
“Absolutely Rubbish”
Written on: 02/08/2012 by szonkie
Just called as our over is broken the front door glass fell out and the oven is faulty, we have 10 years no claims and was told we are not covered what a laugh. I then asked about our glass windows which the seals are burst due to the weather I guess and condensation is now inside them, again they cant do anything, so why am I PAYING them...we have paid over £3500 pounds in the duration and have never claimed a thing, cancelled immediately and found out the charged me to cancel, STAY AWAY... (read more)
★☆☆☆☆
“Churchill Disgusting Service”
Written on: 31/07/2012 by Crostonblue (1 review written)
I took out building and contents insurance with Churchill in November 2011, knowing that I live on a flood plain I was conscious of 2 questions on the Churchill online system, these were - 1. To the best of your knowledge has your property suffered from flooding in the last 10 years? 2. Is your home currently suffering from flooding or at risk of flooding? Q1 was easy as the last time the house was flooded was in 1987, Q2 was the one I wanted clarifying so before I continued the process I... (read more)
★☆☆☆☆
“50% OFF letter - just empty words”
Written on: 28/06/2012
Today i have received a unsolicited letter from churchill with big letters "50% OFF until the 1st of July. Letter says insurance for your building and content on my post code just under £200! Great sounds like a good deal! Thought well i give them a call despite my busy schedule. After giving them all my details and answering all those "small print questions" she gave me a price of over £400?? hmmm same size of house same post code? How is that possible i ask... she says well the letter is... (read more)
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Showing 1 - 10 of 51 Reviews
★☆☆☆☆
“root damaged drains - not covered”
Written on: 13/03/2012 by misty233
Just to reinforce the message left by the previous reviewer. We've just had the weekend from hell with our drain which went from a little blockage to full scale root damage, collapsed drain and walls and pavements being dismantled. Churchill's reponse? Not covered, it's accidental damage. Now if the tree had fallen onto the drain, I could understand this. If you have bushese or trees near your drains - do not go near this company. (read more)
★☆☆☆☆
“Churchill do not cover tree root damage to drains”
Written on: 12/01/2012
We contacted Churchill over Christmas as we had a blockage in the soakaway to our septic tank. We had a similar problem a number of years ago and it cost £2300 to fix as we had to have part of our soakaway fixed due to the tree root damage. This was all covered by our buildings insurance. When I spoke to Churchill they said that I wasn’t covered for this because I didn’t take out ‘accidental cover’ with them. How tree roots can be described as accidental I do not know. It is a force... (read more)
★☆☆☆☆
“Huge premium rise after no claims”
Written on: 20/12/2011 by chericbaker (11 reviews written)
We used to have all our insurance policies with Direct Line but despite almost never claiming they pushed us away with huge premium increases. Strangely Churchill (same ownership as DL) was the one we switched to for house & contents insurance. At the first renewal (no claims) Churchill wanted much more but got reasonable when I phoned. The second renewal (no claims again) was different - they asked for 65% more premium and when I phoned would not budge, and had no other explanation than... (read more)
★☆☆☆☆
“Be careful when cancelling an auto-renewal”
Written on: 12/12/2011 by gilesjuk (2 reviews written)
I phoned up to cancel an auto-renewal as I had taken out cover with Direct Line (I swap between the two as they always bump up the renewal). A few weeks later the schedule turned up and I noticed the money had gone out of the bank. So I phoned up and told them to cancel it as I had already told them to cancel it. I've now been charged a cancellation fee for cancelling a policy I didn't want and told them I didn't want! So if you call up to cancel a renewal I would check and double check... (read more)
★☆☆☆☆
“My terrible ongoing experience with CHURCHILL HOME...”
Written on: 13/10/2011 by SimonTaylor (1 review written)
Hello all i thought id share my CHURCHILL HOME CONTENTS INSURANCE experience with you! On 31st May 2011 i returned home from a weeks holiday to find out id been broken into, I called the police stright away and they arrived about 4 hours later (3.30am) The following day i rang my insurance (CHURCHILL)) to report this and ask for a claims form, I was told they dont send a claims form they do a telephone interview so i said id have to make a full list of missing items after the finger print... (read more)
Insuranceresearch's Response to SimonTaylor's Review
Written on: 09/11/2011
Hi Simon,
I'm so sorry to hear about the trouble you are having with Churchill.
I work for a research company and we're keen to speak to people like you about their frustrations with the claims process in exchange for a financial incentive.
If you'd like to be involved you can email me on:
insuranceresearch2011 at gmail.com
Thanks.
Reply to this comment
Tartangiant's Response to SimonTaylor's Review
Written on: 17/02/2012
It is brilliant that Simon Taylor has taken the time and patience to tell the world what really goes on behind an honest citizen fighting to get claim honoured.
CHURCHILL no wonder they get a stupid dog to do their advertising - Oh Yes!!!!
Reply to this comment
★★★★☆
“Attempted burglary ”
Written on: 11/10/2011
This time last year, when it came for me to revew my home insurance I changed from Nat West to Churchill because Nat West hiked my premiums after 10 years of paying them lots of money without ever making a claim. One month later someone tried to kick in my front door that I had paid £2,5000 for a few months previously. That turned out to be money well spent as they did not get through the front door despite strenuous efforts. They did, however, damage the door to such an extent that it... (read more)
★☆☆☆☆
“I have been 'covered' by Churchill for two years....”
Written on: 11/05/2011
I have been 'covered' by Churchill for two years. Recently I noticed that the main soil drain for the house was blocked. This has happened before and it was root ingress penetrating old clay drains. My previous insurer took care of this problem but Churchill rejected the claim. Despite the fact that drainage is an essential part of my insurance and I was told said drains were covered when I took the policy out, Churchill will not cover this claim. I was lied to regarding what is covered... (read more)
★☆☆☆☆
“RE: Nationwide (underwritten by Churchill) home and...”
Written on: 20/04/2011
RE: Nationwide (underwritten by Churchill) home and buildings cover
I'm in the process of a claim, that was started 6 months ago. It is still to be fully resolved!
My flat was damaged as results of the flat aboves central heating pipe being damaged by cowboy builders. The result, 2 ceilings coming down and the walls and floors damaged.
I was with Nationwide, who are underwritten by Churchill, since my claim is a recovery claim it is dealt by Churchill.
Firstly, customer service is...
(read more)
★☆☆☆☆
“My first claim in about 12 years. ”
Written on: 14/04/2011 by Mark905 (1 review written)
My first claim in about 12 years.
Fire damage to kitchen work top, to replace my current worktop if it's available in that style,
would not match the other sections that have faded.
Churchill said that they will only replace that one section not the other bits attached to it. So I have to have an odd section or pay for the rest myself.
My claim is for £659
Very poor service avoid them
(read more)
★☆☆☆☆
“I claimed for floorboard damage in early jan this year...”
Written on: 23/03/2011
I claimed for floorboard damage in early jan this year (2011). After two phone calls when I waited 25 mins then 15 mins I gave up phoning and said I would only use email. After around 6 emails which all give an automatic response I have had no normal response to any email whatsoever. I did get a voucher for vinyl replacement fairly quickly, but can't purchase vinyl until floorboards get repaired. Now heading to 3 months without response and am considering contacting sunday newspapers for... (read more)
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Showing 11 - 20 of 51 Reviews
★☆☆☆☆
“ Had a burst water pipe over the Christmas period....”
Written on: 07/03/2011
Had a burst water pipe over the Christmas period. Took forever to get through to the Churchill claims dept.Had an initial inspection of the damage and then a visit from Crawfords Loss Adjusters. I was told by them it would be quicker for me to send in my own quotes for repairs. I sent these quotes in and have heard nothing since.Crawfords ignore all phonecalls and emails.
Nearly 3 months since initial claim and no conclusion reached,
Wish I had read these reviews before insuring with...
(read more)
★☆☆☆☆
“I have been a faithful customer with Churchill for...”
Written on: 07/03/2011
I have been a faithful customer with Churchill for nine years and never claimed until today. I have explained my situation to them and they will not help me with my request. In a world in which we live honesty isn't a common quality but I believe that is wrong and so was honest about what happened, that my daughter kicked front door and in turn damaged it. There reply was because it was a family member that I cannot claim insurance. Although being a faithful customer for nine years I believe... (read more)
★★★★★
“My wife fell and stood on out Sony laptop cracking the...”
Written on: 04/03/2011 by seachaplain (2 reviews written)
My wife fell and stood on out Sony laptop cracking the screen. We went to get it fixed for £75 but when we sent it off for repair the company said it was the laptop that had died. I refused their quote of £350 - rip off merchants. Decided to claim under Home Contents Insurance and they agreed to repair. Courier picked it up and it was returned fast - new screen only - nothing wrong with the motherboard!
Service form Churchill was great and will be renewing for another year tomorrow -...
(read more)
★☆☆☆☆
“We had a burst pipe a few days before Christmas under...”
Written on: 09/02/2011
We had a burst pipe a few days before Christmas under the upstairs landing which damaged the wood veneer and also brought down the kitchen ceiling below it. I sent lots of photos and quotes and they said to get the repairs done and if under £1000 they would pay out in 7 to 10 days. The quotes came in at £1035 so we got going with repairs, but it's been 9 weeks and now they say they wont cover the damaged pipe or the damaged wood veneer because we pulled the boards up ourselves! How else... (read more)
★★★★★
“I had the misfortune to have 3 burst pipes whilst I...”
Written on: 27/01/2011
I had the misfortune to have 3 burst pipes whilst I was on holiday over Christmas 2010. The damage affected plastering, carpets and a 10mth old leather suite. Chuchill Insurance dealt with and paid out my claim in full, in 5 weeks. No quibbles at all. First class service throughout (read more)
★☆☆☆☆
“Pathetic service, I would not use them again. I made a...”
Written on: 19/01/2011
Pathetic service, I would not use them again. I made a claim for a faulty sewage pump which on an initial call they immediately dismissed saying it was not covered, however I had forgotten I had emergency home cover by which time I had paid out myself to replace the pump, after that they just gave me the run-around, they wrote one letter to say there were looking into it and 2 months later I had heard nothing so phone again and waited 30 minutes to get a reply, was then given another number... (read more)
★☆☆☆☆
“Never again, spoke to me like something stuck to the...”
Written on: 08/01/2011
Never again, spoke to me like something stuck to the bottom of a shoe, and called me on 4 separate occasions to try and trip me up ! I have never been treated like this before or since, I got a new slogan for them "Oh No" (read more)
★★★★☆
“I have recently had major home damage caused by a...”
Written on: 27/12/2010 by kellys eye99 (1 review written)
I have recently had major home damage caused by a burst pipe in the loft. I was away in Tenerife,the heating on but locally the temperature dropped to -20c. I was able to contact Churchill by phone (quickly) and they promised to get an emergency company (Rainbow) out to my house( via the keyholder) within 4hrs. When I arrived home 24 hrs later the pipe had been repaired, wallpaper and carpets removed,dehumidifiers and fans installed. In addition they have checked the wall moisture level... (read more)
★☆☆☆☆
“I cannot find the words to express the distress...”
Written on: 17/12/2010
I cannot find the words to express the distress Churchill Insurance have caused to my elderly parents over the recent bad weather. A simple burst pipe has turned into a complete nightmare and because Churchill still haven't agreed repairs, has now totally ruined Christmas for them. The first estimate was rejected as being too expensive, the second, again too expensive,it goes on and on. Meanwhile, my parents are just expected to live in a cold, water damaged house, whilst they argue over... (read more)
★☆☆☆☆
“In the autumn of 2010 I made a claim for a burst pipe...”
Written on: 16/12/2010
In the autumn of 2010 I made a claim for a burst pipe in my bathroom, which caused damaged to the bathroom floor and entire kitchen ceiling. After the usual waiting in queues on the phone etc etc, Churchill were very obstructiv,they told me I was only covered for the damaged ceiling, not the damaged pipe,excuses excuses. I had to get quote after quote - none of which they approved and we were only talking £400 !! They apporved one quote over the phone, I had the work done and they refused... (read more)
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Showing 21 - 30 of 51 Reviews
★☆☆☆☆
“After heavy snow for two weeks, the build up of ice...”
Written on: 11/12/2010
After heavy snow for two weeks, the build up of ice bought 4 sections of gutter of my house. Churchill sent a claims assessor who told me that "as the guttering had fallen off the it could not have been fitted correctly" and they refused to pay for the repairs. After 10 years of using Churchill with no previous claim I could not believe their decision. Insurance with Churchill is not worth the paper it is written on. Avoid at all cost. (read more)
★☆☆☆☆
“We had some tiles fall off our roof called out the...”
Written on: 01/11/2010
We had some tiles fall off our roof called out the assessor he said roof does not comply with building regulations so would not pay out.
checked building regulations our house was built before they came out so they agreed to pay. Then eventually they sent out a sub contractor 5 weeks later he said they couldnt match the roof tiles after numerous calls churchill without any explanation withdrew the offer!!
(read more)
★☆☆☆☆
“I had a patio window explode and having NEVER made a...”
Written on: 14/10/2010
I had a patio window explode and having NEVER made a claim on a Buildings or Contents policy rang Churchill and told them what had happened.
This is when all my expectations of Insurance were blown to hell !
Get a quote from a Glazier - Did that, had him look at the damage and determine the cause - an impact of unknown origin.
Ordered a complete New setup as the glazier had said the frame was now buckled and replacement glass was not an option, did this knowing that however long the...
(read more)
★☆☆☆☆
“BEWARE I have been with churchill for 14 years I have...”
Written on: 09/09/2010 by wagglebottom (1 review written)
BEWARE I have been with churchill for 14 years I have 9 years protected no claims bonus BUT this means nothing my policy over the last 3 years was £140 - £202 but this year I got a renewel for £525 ( a massive 2.5 times last years premium) just because I made a claim ( which incidently was a nightmare they made us name every cd by name and artist OMG but ha we did it)so BEWARE the protected no claims is worth nothing. They are only interested in taking your money when you don't claim. I... (read more)
★☆☆☆☆
“ ”
Written on: 17/07/2010
I waited 30 minutes on their call centre to tell them I was moving house and that I would be cancelling my buildings insurance with a months notice. The call centre geek did not document the call. Having missed a months payment [ in effect I had left the house my then] they used a threatening bailiff's letter to pressure me into paying up. In effect to avoid litigation I ended up paying for 2 months insurance even though I was not living at that address . Avoid at all costs ; nasty /...
(read more)
★☆☆☆☆
“Yes the quote was cheaper and we fell for it - we paid...”
Written on: 11/05/2010
Yes the quote was cheaper and we fell for it - we paid for it, in the lack of customer services. Go through the mulitple choice - press this for that and that for this. Then hey presto - you can listen to music. If I want to listen to music I'll put the radio on not pay through the nose on 0845 numbers!. You can get through quick enough if you want a quote or want to cancel - but not if you want to make a claim.
Never will I renew with Churchill. note - I only chose to give 1 star...
(read more)
★☆☆☆☆
“This is a follow up to my review posted 30.1.10 ”
Written on: 15/03/2010 by Pete of Romford (4 reviews written)
This is a follow up to my review posted 30.1.10
In answer to my complaint about keeping my credit card details and taking a premium for unwanted insurance after I have told them to delete my details from their records, they now say that they are unable to delete them and that they are required by law to keep them. They really think that their customers are as thick as them. Can anyone tell me why they should not be prosecuted for theft, as they have taken monry from me unlawfully and with...
(read more)
★☆☆☆☆
“I have made 2 claims with Churchill under my home...”
Written on: 08/02/2010 by susiepratt (1 review written)
I have made 2 claims with Churchill under my home insurance. The first time was after a burst pipe in one of the bedrooms came through the ceiling the ceiling came down onto the bolier and it stopped working. They were so obstructive i paid for all the damage myself and didnt bother carrying on with the claim. The second claim was for my freezer in the garage stopped working in the cold weather and all the contents had to be thrown away this claim is for less than 300.00 its so far 6 weeks,... (read more)
★☆☆☆☆
“I found Churchill on a comparison site in 2009 and...”
Written on: 30/01/2010 by Pete of Romford (4 reviews written)
I found Churchill on a comparison site in 2009 and insured my house and contents for a comparitively reasonable £147. In 2010 their renewal quote was an unreasonable £218.40, an increase of 48%, and this during a recession. I went on the comparison site again and found a better quote from Liverpool Victoria for £150.07.
I noticed that Churchill had retained my credit card details and intended to renew this policy automatically on 27.1.10. I wrote to them on 6.1.10 complaining and...
(read more)
★☆☆☆☆
“I made claim for water leak, my premium triple , it is...”
Written on: 22/11/2009
I made claim for water leak, my premium triple , it is due by the end of the month, can I leave Churchill before the claim settled ? Can they refuse payment for leaving them ? (read more)
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Showing 31 - 40 of 51 Reviews
★☆☆☆☆
“The dog is keen to say yes to your premiums but try...”
Written on: 23/09/2009
The dog is keen to say yes to your premiums but try making a claim with Churchill Home Insurance.
I had my kitchen ceiling damaged by the water pipe between the cistern and toilet parting company. When I submitted the estimate for repair they said it was too expensive, must have ESP as there had been no inspection of the damage. They don't return calls, my claim advisor was rarely available but didn't return my calls as promised by whoever I spoke to.
I think when making a decision about...
(read more)
★☆☆☆☆
“After a recent burglary we claimed for our computer,...”
Written on: 28/07/2009
After a recent burglary we claimed for our computer, which was stolen. Nearly three weeks later we are no further forward with churchill home insurance and have been chasing them constantly with no success. Absolutely appalling customer service - have spoken to about 8 different people and keep being passed from one place to another. (read more)
★★★☆☆
“Had been with Churchill insurance for many years, was...”
Written on: 04/09/2008 by firefly621 (1 review written)
Had been with Churchill insurance for many years, was unfortunate enough to have a water escape claim this May, the claim procuedure did go quite smoothly, but the shock came when the renewal came in this September.....it had nearly doubled in price. Went on the internet, and even with the claim in May, managed to get another policy as good as Churchills for under what Churchills charged me last year (2007)........expensive or what? (read more)
☆☆☆☆☆
“I would never use Churchill again. They should sack...”
Written on: 27/04/2008 by Starlight456 (1 review written)
I would never use Churchill again. They should sack that silly nodding dog and replace him with a bucket of worms which would be far more appropriate. So far they have spent 4 months trying to wriggle out of paying for storm damage to my roof. Eventually they offered 45% of the original estimate even though further damage has occurred since that estimate. I wonder if they would have settled for 45% of the premium. (read more)
★★★☆☆
“Churchill Home Insurance is a very professional...”
Written on: 29/03/2008
Churchill Home Insurance is a very professional company i would recommend if having a problem and lost documents, policy numbers etc they will go out of their way to assist in anyway they can (read more)
★☆☆☆☆
“I find Churchill Home Insurance cheap but in my...”
Written on: 08/03/2008
I find Churchill Home Insurance cheap but in my experience they have poor customer service and I felt they where quite Unsympathetic to my needs. (read more)
★★★★☆
“I am Churchill client since may 2007 and have switched...”
Written on: 13/09/2007 by patiwronin (8 reviews written)
I am Churchill client since may 2007 and have switched to Churchill because when it could not beat my start quote I got £75. And if a company gives so much money for virtually nothing then it must be good - this is what I thought and I am still right. (read more)
★★★★☆
“Having had a great service with my car insurance...”
Written on: 18/07/2007 by budinn (9 reviews written)
Having had a great service with my car insurance policy with Churchill, I took out my contents policy as it was cheap and I could request the value of cover -None of this £40,000 minimum rubbish.
My sink cracked and I asked them if it was covered. I thought it was not and they confirmed so but were very quick to ring me back. Within ten minutes.
(read more)
★☆☆☆☆
“They try to make you work as hard as you can before...”
Written on: 15/12/2006 by Mossopw (1 review written)
They try to make you work as hard as you can before they even think about paying. I made a simple claim for spectacles that I lost. I sent Churchill Home Insurance the cost of replacement from specsavers, and the original documents and cost. Now, they have sent me back another letter asking for a lost property number from the police, but this was never stated on the first request for docs!
It would be better to pay out a little more and get what you pay for!
(read more)
★★★★☆
“Signing up to a Churchill home insurance policy was...”
Written on: 08/09/2006 by foxview (71 reviews written)
Signing up to a Churchill home insurance policy was very easy to set up over the internet. The amount that they will cover you for is very good, and there are great savings to be had on the internet. (read more)
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Showing 41 - 50 of 51 Reviews
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Beeceegee's Response to szonkie's Review
Written on: 11/09/2012
I would not expect either of these events to be covered by insurance (well just possibly the oven glass, but they would have to be in a really good mood that day!)
Double glazing doesn't last forever, Our conservatory units (all 13 of them) have "gone", ie condensation and scum build up inside them. They are about 15 years old. It's just what happens - especially on a south facing aspect. Normal wear and tear.