I took out a home insurance policy and it has turned out to be the worst decision I've ever made in my 60 years. After a neighboring property caused water damage to mine, I reported it and filed a claim on September 25. The company, like many large insurers, simply transfers claims to subcontractors. These subcontractors then pass the work to their own teams, and that's where the nightmare begins.
Their inefficiency is astonishing, and describing it as "painfully slow" barely scratches the surface. To keep this review concise (the full story would take all day), the first contractor who came to address the bathroom damage wasn't even qualified to deal with plumbing issues! Consequently, he couldn't remove anything connected to the water pipes. It's amusing now, but six months later, if I hadn't taken control and sourced my own tradespeople, my property would still be in shambles.
I've already spent £4.5k out of pocket! The subcontractor mentioned that they wouldn't even start repairs until January 2026! For a one-bathroom property, this is unacceptable.
Clearly, this insurance policy is not worth the paper it's printed on. Just imagine waiting six months for someone to potentially start fulfilling the contract.
I am currently waiting once again for their complaints department to decide if they will compensate me for doing their subcontractor's job. Even if they agree to settle, it won't cover my time, logistics, or the stress of dealing with their incompetent subcontractors.
I urge you to reconsider before purchasing a policy from this company. My family and friends will never consider using them again. Be cautious—there are sister companies that also operate under different names, making it hard to identify them until it's too late.
Have you ever tried to reach a case handler? You might sit on hold for 30 minutes, only to be disconnected. If you’re fortunate enough to have your call answered, you’ll leave a message and likely never hear back.
My handler's phone system has been faulty throughout this claim, which only prolongs the process. When I finally received a callback, I was informed that it wasn't their policy to cover my expenses and they offered to reimburse about two-thirds of what I spent. I made cost-effective choices, so their approach seems focused on minimizing expenses rather than resolving issues quickly and properly. This experience starkly contrasts the image they project in their advertisements.
Claim your business profile now and gain access to all features and respond to customer reviews.
Churchill Insurance was one of the UK’s first direct motor insurers. Over the years our business has grown and so has the range of cover we provide. We offer car insurance, home insurance, travel insurance, pet insurance, van insurance and breakdown cover. Churchill is one of Britain’s most recognisable brands, thanks to our brand mascot Churchill the dog. Churchill provides good value insurance that lightens the load by working hard for our customers to get everything seamlessly back into place so that they can relax and get back to enjoying life to the full.See more
