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.

Critical illness cover

With Critical 3, you’ll be insured for three specific conditions, in addition to your life insurance.

When you buy Churchill’s Life Insurance provided by AIG, you can choose to add critical illness cover, called Critical 3, for an extra cost. With Critical 3, you’ll be insured for three specific conditions, in addition to your life insurance.

These three conditions are:

  • Cancer - excluding less advanced cases
  • Heart attack – of specified severity
  • Stroke – of specified severity

Not every illness or condition is included within Critical 3. For example, not all types of cancer are covered.

Common critical illnesses such as cancer, heart attacks and stroke can come without warning. They can seriously impact your quality of life and might prevent you from working.

If you're eligible to claim, Critical 3 could pay out your chosen amount of cover if you’re diagnosed with a specified critical illness during the length of the policy.

If the unexpected happens, you could use the money to help cover medical expenses, pay your mortgage or to help your family through a difficult time.

Critical illness cover isn’t the same as terminal illness cover. Terminal illness cover only pays out if you’re diagnosed with a terminal illness and have a life expectancy of 12 months or less. Critical 3 may pay out regardless of your life expectancy, provided you survive 14 days after diagnosis.

If a Critical 3 claim is successful, the Critical 3 insurance will end. The life insurance element will remain and a claim can be made for death or terminal illness should either happen within the length of the policy.

Read the Life insurance - key facts document for more information.