Churchill Home Insurance

Strong winds and driving rain found it's way into my loft the rain water run under my loft boards onto plaster board celling and soaked my laminate flooring. I called Churchill to see what was covered and how they would help, they said if my roof has not been inspected in the last 3 years by a builder (roofer) then I am not covered as this is down to wear and tare, I have never heard so much ball in all my life. These crocks will not pay out on anything, look at all their reviews, I had to give them one star but they are not worth that much, there is a reason they are cheap, if you want home insurance DO NOT buy it from them. After I put the phone down on them they called me back 20 minutes later advising me to get a builder round to do the necessary work encase the roof problem gets worse but they (Churchill) can't help. Needless to say I will never use any services from these low life's again an off course cancelled the direct debit and have now gone to a reputable company. Avoid these at all costs, you have been warned.

I would advise anyone that is considering taking out “any” kind of insurance policy with churchill to reconsider. even with the home plus policy, they will find a reason and every excuse under the sun not to cover you for any type of claim. this is a serious warning. they will drive you to hell and back and make you fatal. if they gave me a lifetime of free and every cover under the sun, i still would refuse. stay away from churchill and associates direct line. they are one group. i wished i had read the reviews prior to taking cover with them. absolutely no way i will be renewing with them ever again.

people beaware of the churchill insurance which is run by pennyjames and neilchurchil ceo are cheating the disabled people thinking they cant do anything and not doing the service which these to people had our hard earning money. People must believe us the nightmare experience we having as an old people. our gutter from the corner is damaged by the storm/heavy wind. when we claim in april one of their worker inthe office said she measured the wind from the office and there was no wind by our house. what biggest liar cheater. she was sitting on top of our roof at that time. shame on her. Keep hiding but I shall not let them get away with our money. so they either provide the service or refund. amaging their management team are so ignorant and can't be bothered to response because all the gang just share customer's money that's all they interested in when you claim what you paid cheaters find the way to get away without providing the service. shame on all of them. anyway I shall not let them with this attitude and they either so something about my gutter or refund as simple no any other way they have choice...refund/or service. 

The Churchill insurance has a condition in their documents which states any damages to the property due to wear and tear or ageing is not covered.

This sentence they can use to reject any of your claims. Any of the damages or accidents in the home they will classify as wear and tear.

In my home leak happen from the bathtub and damaged whole flooring and kitchen ceiling. They classified this as wear and tear of the tiles in the bath.

Basically any damages can be easily categorised as ageing or wear and tear.

I don't recommend to anyone.

My house was damaged by storm on Feb/2018, Churchill Home Insurance denied the claim despite the storm were reported in lots of local news.

poor customer service and handling of once case including poor assistance for once with disability limitations as I am.1 year home insurance and I could not stand them.

Not the first home insurance in my life though 10 for the worst.

Churchill are very quick to take your money, just do cancel an agreement early or late with them.

after calling their care centre I was miss lead about the policy being cancelled in time for no charges however less than 24hrs later I got a letter to advise they what'd further cost

after calling them about it, I was passed to a number of different people whist on the phone for sometime in the end I paid the amount due to not having the time, to fight it

Back in August of this year I moved house and cancelled my home contents insurance policy with Churchill. I also cancelled my direct debit.

Days later I received a letter from Churchill stating that I still owed them £12.15 which I believe related to a cancellation fee. I rang Churchill with a view to reinstating the policy at my new address. My call was eventually answered but after being put on hold for approximately 25 minutes and not getting anywhere I eventually rang off.

In all honesty I completely forgot about the £12.15 and received no further communication from Churchill.

A week ago I started receiving text messages and phone calls from Moorecroft debt collectors. As they gave no indication what their call related to, I believed that Moorecroft had the wrong contact details.

For three days I received both a text message and a phone call from Moorecroft and I eventually got through to them only to find that they were aggressively chasing the £12.15!! Seriously.

I immediately paid the money.

Needless to say, I won't be using Churchill for home insurance again. Sadly my car insurance policy is also with them but is due for renewal in January. I'll obviously be looking to move to another company.

I've had to give an overall rating of 1 star to allow this review to be posted but would, if possible, have marked it zero.

Taken 4 hours to get through the EMERGENCY line to be told that I'm reporting too late in a day so some one will come the next day. Spend the day waiting at home only to be told engineer has attended but no one was at the property! No one rang the bell and no one has called me! Reported to complaints manager only to be told the same thing over and over again: the engineer has been and is not coming back! No apology whatsoever horrible responses to complaint. Over 24 hrs with leaking boiler no heating or hot water and I am told someone will come tomorrow and I'll left wondering if they will ring my door belll this time! Worst experience ever! Not worth your time or money! Just to stress out that is the emergency response - if that's the best they can do...

they don't pay out that's why its so cheap they could sell it for £1 and if they don't pay they still make money worst insurance company 2 tiles blew off my roof at 44 mph wind speed churchill said you are only covered if its a storm winds above 55 mph so beware when you think you are fully covered think again