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.

Contents Insurance

Our 5 star rated cover

Defaqto logo

Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto. Defaqto is an independent researcher of financial products

Churchill contents insurance covers the things that matter most in your home.

We offer cover of up to £50,000 as standard and settle claims on a new-for-old basis. We’ll be there for you if you are the victim of a setback such as theft, fire or flooding.

So what’s covered?

  • Contents in the home and its outbuildings (limits apply)
  • Money kept at home
  • Replacement locks if your keys are stolen
  • Items kept in the garden
  • The contents of your freezer
  • The cost of alternative accommodation whilst repairs are carried out if your home becomes uninhabitable after an insured event (limits apply)

Do you have valuable items at home?

Valuables (items such as jewellery, watches, furs, items or sets or collections of gold and silver or other precious metals, works of art, sets of stamps, coins and medals) are automatically covered up to 30% of your contents sum insured, however if you require more than this then please contact us.

What about Accidental Damage cover?

Accidental Damage cover is not included in your policy as standard but this can be added to your policy for an additional cost. It’s a good idea if you want cover for common mistakes like dropping a mirror while hanging it or spilling paint on the carpet or sofa.

What’s covered as standard Maximum value
Contents cover £50,000
Alternative accommodation for you and your pets £15,000 (£25,000 if you also have Buildings Insurance)
Occupiers and Personal liabilities £2,000,000
Business equipment £5,000
Contents temporarily taken out of the home £5,000
Theft from outbuildings £2,500
Valuables not listed separately on your policy Up to 30% of your contents sum insured

Don’t forget to take a look at our other optional extras to further enhance your contents insurance.

If you need any more reason to insure your home with Churchill, maybe our five Star Rating from independent financial research company Defaqto will sway your decision.

Home insurance policy