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.

Jewellery valuation and insurance

If your home is already covered by Churchill’s home contents insurance, then your jewellery is automatically insured up to the value of 30% of the total value of your policy. For example, if you have a policy that covers £50,000 worth of contents, you could claim up to £15,000 for lost or stolen valuables.

If you own an individual item that is valued at more than £2,000 you’ll need to name these individually when you take out the policy. Our representatives would be happy to talk this through with you.

Do I need a valuation?

It’s not essential to get your pieces valued in order to get them insured, but it is a good idea for your own piece of mind. There are several reputable companies that can value your pieces, and that will help you to make sure that you have the right level of cover. This way, if your valuables are stolen or lost, you’ll be fairly compensated. In the event of a claim for specified items, you will need to provide proof of value and ownership.

Is my jewellery covered outside of the home?

The chances are you want to enjoy your precious jewellery and make the most of it by wearing it outside of the home. If you own items of jewellery that you would like to insure for those times when you wear them out and about, you might like to consider taking out Personal Possessions cover in addition to your home insurance. That way, you can rest assured that your items are covered no matter where you show them off.