Coronavirus (COVID-19) update

Last updated: 31st March 2020

Following the Government’s announcement asking everyone to stay at home, we’re making some changes to the way we work to make sure we’re looking after our people and our customers. We’re setting up as many of our colleagues as possible to work from home, but this will take a few days.

In the short-term, we’re only accepting new business online. That means new customers can’t buy insurance over the phone.

Existing customers: Please don’t phone unless it’s absolutely necessary.

We need to prioritise:

  • Customers who have an urgent claim, for example your car is undrivable following an accident, you are injured, or your home is uninhabitable.
  • Customers who can’t pay now as a result of the Coronavirus pandemic, call us - we want to help you.

If you have questions about your renewal or want to make a change to your policy, you can use our virtual assistant. If your policy is due to renew in the next week and you haven’t opted for auto-renewal, please call us. If you have opted for auto-renewal, please make sure your insurance still meets your needs.

For more information and frequently asked questions about COVID-19, go to our Coronavirus help and support page.

New or used?

If you can afford it, why not treat yourself to a new car? It makes sense doesn't it? It's very tempting to buy something shiny and trouble free. Then again, a used car could save you a packet, but it may break down. So what are the pros and cons of going for that distinctive new car smell or taking that chance with something second hand which may have the aroma of recently departed dog?

Buy New because you will get exactly what you want

Sounds obvious, but if you are fussy about colour combinations and specifications then new really is the only way to go. However, online search engines are so good now that you may be able to find a used car that is surprisingly close to what you want, for less.

Buy Used because you want to beat depreciation

The simple truth is that as soon as you drive out of the showroom your new car will have lost a significant chunk of its value, including the VAT and new car registration tax. By contrast, a three to five year old car will depreciate by a smaller amount, and some cars may shed hardly any more value at all. However, keeping your new car longer, say a decade, certainly reduces losses. Also choosing the ‘right' specification and model can mean that your depreciation curve is less steep, because a car has a strong image and an economical engine. If you do take this route here's some things you need to check before buying.

Buy New because you want peace of mind

At the very least most manufacturers will offer a three-year warranty for all parts, but you still need to check the small print carefully as the final year can be a less comprehensive dealer-backed scheme. However, it is possible to get warranty cover for a used car either from a dealer, or direct from an independent warranty company. Yet again you need to read the small print, and some cars over a certain age and mileage cannot be covered.

Buy Used because it will be cheaper to run

You will feel less obliged to visit a posh showroom and workshop with an older car. Rather than paying the high labour rates of main agents you can save a good percentage by using a local independent garage. Some older cars are also much simpler, so fixing them should be less complicated and cheaper, plus you might be inclined to use salvaged or second hand parts.

Buy New because you want to be Green

New cars have much lower pollution levels and it is now transparent just how much C0² they produce. So instantly a new car will be reducing the impact it has on the planet. Trouble is, there is an tremendous amount of natural resources and energy used to build a new car. So buying an older one is the ultimate in recycling. The longer you keep a car running, the more efficient it can become at using resources, provided you keep it serviced and maintained properly.

Buy Used because you won't be doing much driving

If all you need is a set of wheels to get you to the station and back, or for the weekly shop, there is no point in possibly taking out a loan to buy a new car. By contrast, if you regularly cover more than 20,000 miles a year and need utter reliability and state of the art safety features, buy new.

Whatever you decide, get a car insurance quote online today from Churchill and see just how much you could save.