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    churchill home plus

    Hello, I'm thinking of switching to them for home and content, anyonevhas experience with them? Thanks!

    14 Comments

    Unfortunately you never know how good any insurance is till you need to claim . Then its too late (_;)

    Original Poster

    rogparki

    Unfortunately you never know how good any insurance is till you need to … Unfortunately you never know how good any insurance is till you need to claim . Then its too late (_;)


    For sure hence my question they seem to have good reviews on moneysupertmarket.com, and almost half price on my current renewal quote

    LillyM

    For sure hence my question they seem to have good reviews on … For sure hence my question they seem to have good reviews on moneysupertmarket.com, and almost half price on my current renewal quote


    You should always compare before renewing as it will always be cheaper (as you have found ) . Typically Insurance Brokers will give a 30% discount to new customers to get their custom . So take the discount and compare every year . I used to enjoy shopping around /comparing every year (and feel I'd saved quite a few quid ) but now its getting to be a pain , but it has to be done . Same for all insurances ,home energy ,broadband, phones etc . It is ALWAYS cheaper to compare and switch every year . There is absolutely no loyalty discount from sticking with the same provider whatever they tell you - Compare and switch every year ! it will save you on average 20-30 % . As to how good they are ? I refer you to my previous answer .
    Edited by: "rogparki" 14th Jan

    Original Poster

    rogparki

    You should always compare before renewing as it will always be cheaper … You should always compare before renewing as it will always be cheaper (as you have found ) . Typically Insurance Brokers will give a 30% discount to new customers to get their custom . So take the discount and compare every year . I used to enjoy shopping around /comparing every year (and feel I'd saved quite a few quid ) but now its getting to be a pain , but it has to be done . Same for all insurances ,home energy ,broadband, phones etc . It is ALWAYS cheaper to compare and switch every year . There is absolutely no loyalty discount from sticking with the same provider whatever they tell you - Compare and switch every year ! it will save you on average 20-30 % . As to how good they are ? I refer you to my previous answer .


    Thanks for that, I've started doing that now that am in charge of our bills I will give them a call on Monday and have a chat, did a comparison and then went on website direct and quote was even cheaper, not even considering doing anything through cashback websites though.

    We have green flag which gives you money off other products under the group, so got a good deal from church hill home insurance for the last 5 years. Price has not changed much. Sales department is good but never made a claim so can't say if they are good. We just have the standard home insurance though

    LillyM

    Thanks for that, I've started doing that now that am in charge of our … Thanks for that, I've started doing that now that am in charge of our bills I will give them a call on Monday and have a chat, did a comparison and then went on website direct and quote was even cheaper, not even considering doing anything through cashback websites though.


    Always take cashback into account (although of course it can never be guaranteed ) . Most of the insurance sellers are "Brokers" ie just acting for a range of insurance companies . Direct line and Aviva I believe are insurance companies themselves . Churchill for instance are a broker and one of the many "brands" who own or are owned by "Compare the Market " , so its not a clear playing field .

    Best tip - play them at their own game and compare and keep comparing on the many compare sites to get the best price +cashback (potential ) . Still boils down though to how good they are in event of a claim -yes they will all pay (eventually ),just depends on how easy the process is . I'm afraid I have no experience of claiming .
    Edited by: "rogparki" 14th Jan

    wayners

    We have green flag which gives you money off other products under the … We have green flag which gives you money off other products under the group, so got a good deal from church hill home insurance for the last 5 years. Price has not changed much. Sales department is good but never made a claim so can't say if they are good. We just have the standard home insurance though


    You really should compare every year Churchill are brokers owned by Compare the Market as are Green Flag (or the other way round ). Try comparing on other sites on your next renewal - you may be pleasantly surprised
    Edited by: "rogparki" 14th Jan

    Original Poster

    wayners

    We have green flag which gives you money off other products under the … We have green flag which gives you money off other products under the group, so got a good deal from church hill home insurance for the last 5 years. Price has not changed much. Sales department is good but never made a claim so can't say if they are good. We just have the standard home insurance though


    Good to know, tempted to go with +, as giving good extras. We had home insurance from aviva through Santander, and just got renewal price for almost £700/ year!!!! Definitely not staying with them!! We made a claim last year on our fridge freezer, was easy though and got a fair amount, dunno if that's what raised the price or if it increased at all, but will shop around

    Original Poster

    rogparki

    Always take cashback into account (although of course it can never be … Always take cashback into account (although of course it can never be guaranteed ) . Most of the insurance sellers are "Brokers" ie just acting for a range of insurance companies . Direct line and Aviva I believe are insurance companies themselves . Churchill for instance are a broker and one of the many "brands" who own or are owned by "Compare the Market " , so its not a clear playing field . Best tip - play them at their own game and compare and keep comparing on the many compare sites to get the best price +cashback (potential ) . Still boils down though to how good they are in event of a claim -yes they will all pay (eventually ),just depends on how easy the process is . I'm afraid I have no experience of claiming .


    You weren't joking, you know your stuff! Thanks for the help with that. Am giving up on cash back sites for the moment, too much hassle + they don't have Churchill home ;). Trying complete savings.co.UK, will see how much cash back I can raise from them until I decide to keep membershik or not

    LillyM

    You weren't joking, you know your stuff! Thanks for the help with that. … You weren't joking, you know your stuff! Thanks for the help with that. Am giving up on cash back sites for the moment, too much hassle + they don't have Churchill home ;). Trying complete savings.co.UK, will see how much cash back I can raise from them until I decide to keep membershik or not


    Further to before ,its always worth considering whether accidental cover is worth it . Nice warm feeling to have it -but are you really likely to put your foot through the tele etc ? Take into account the excess (say £200) and the fact you will have to declare the claim for at least the next 5 years (pushing up the premiums ) is it worth it ? or is it better to self insure ? It would have to be a fairly major "accidental occurrence" to cost more than £1K . I haven't had it for 15 years (touch wood) and am paying £120 through Nationwide (less £30 Amazon Gift card-maybe !) for Buildings and Contents . Again touching wood I haven't put my foot through the tele or spilt a can of paint on the carpet so far oO .
    Edited by: "rogparki" 14th Jan

    LillyM

    You weren't joking, you know your stuff! Thanks for the help with that. … You weren't joking, you know your stuff! Thanks for the help with that. Am giving up on cash back sites for the moment, too much hassle + they don't have Churchill home ;). Trying complete savings.co.UK, will see how much cash back I can raise from them until I decide to keep membershik or not



    ​Our policy is £124 this year

    Original Poster

    rogparki

    Further to before ,its always worth considering whether accidental cover … Further to before ,its always worth considering whether accidental cover is worth it . Nice warm feeling to have it -but are you really likely to put your foot through the tele etc ? Take into account the excess (say £200) and the fact you will have to declare the claim for at least the next 5 years (pushing up the premiums ) is it worth it ? or is it better to self insure ? It would have to be a fairly major "accidental occurrence" to cost more than £1K . I haven't had it for 15 years (touch wood) and am paying £120 through Nationwide (less £30 Amazon Gift card-maybe !) for Buildings and Contents . Again touching wood I haven't put my foot through the tele or spilt a can of paint on the carpet so far oO .


    Good point, though the likelyhood of something like hhis happening is quite high on my household, always full of people and kids! Even thought one of them had cracked the screen on the TV by throwing something at it (some of my mates'kids are quite wild, and so are my mates for that matter ) but I can't seem to see the damage anymore oO not sure if i'm being blind or what. Anyway, it's the first time I am renewing home insurance so will do some research I like gift cards though so might see if someone can throw one in

    Original Poster

    wayners

    ​Our policy is £124 this year


    Wow! That low! I suppose because we claimed on ours it's gone up? Will see tomorrow when I speak to someone...surely doesn't:t warrant £700 a year though!

    LillyM

    Wow! That low! I suppose because we claimed on ours it's gone up? Will … Wow! That low! I suppose because we claimed on ours it's gone up? Will see tomorrow when I speak to someone...surely doesn't:t warrant £700 a year though!



    ​We got content cover free with buildings plus 20% off because of green flag. Yeah cheap I thought
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