Quick answer
Churchill car insurance opening hours
| Day | Hours on 0345 301 4835 |
|---|---|
| Monday to Friday | 8am to 9pm |
| Saturday | 9am to 5pm |
| Sunday | 9am to 4pm |
Those are the hours Churchill shows on its own car insurance help page, and the same number and hours sit behind every topic there: cancelling, renewals, policy changes, payments, documents, quotes and claims. The panels show no separate bank holiday hours, so we do not give any. Verified
Outside those hours, the same page offers WhatsApp and a virtual assistant around the clock, plus your online account and the app. Churchill’s car policy booklet says you can cancel by signing in to your account online or in the app, as well as by getting in touch. Verified
Car insurance: cancellations, renewals and everything else
0345 301 4835Getting to the right team
We don't yet know how Churchill's phone menu is structured, so we're not going to guess. If you work it out, we'd like to hear from you.
Before you call
Churchill’s contact page shows no phone number. Its main contact page offers WhatsApp, a virtual assistant and your online account. The number appears on the car insurance help page, and only once you pick a topic such as “Cancel policy” or “Renewals”. It is published, just not visible to anyone who does not know to look. Verified
The number in circulation is not the cancellations line. Guides give 0345 877 6675 for cancelling. It is a genuine Churchill number, but Churchill’s own pages publish it for adding optional extras and changing your car, not for leaving. Verified
Cancelling the direct debit does not cancel the policy. Churchill’s car booklet says it will still ask you for the money you owe. Cancel the policy first, then the payment. Verified
Direct Line Group is now part of Aviva. Aviva bought Direct Line Group, which includes Direct Line and Churchill, on 1 July 2025. Aviva proposes moving policies underwritten by U K Insurance Limited to Aviva Insurance Limited on 31 December 2026, if the High Court approves it at a final hearing expected on 15 December 2026. Aviva says the change happens behind the scenes and you do not need to do anything. Verified
So cite a quote from outside the group, such as Admiral or LV=. A quote from Direct Line or Aviva comes from the same group, so it is unlikely to move them. General
What you're entitled to
- Your renewal can't cost more than an equivalent new customer would pay. Under the FCA's pricing rules (PS21/5, implemented through ICOBS 6B and in force since 1 January 2022), the renewal price for the same cover through the same channel must be no higher than the equivalent new-business price. The FCA reviewed these rules in July 2025 and left them in place. Verified
- Fourteen days to change your mind. A statutory cooling-off period applies from the start of cover or from when you receive your documents, whichever is later. It applies again after each automatic renewal. Verified
- Opting out of auto-renewal is free. You can't be charged for turning it off, and you can turn it off at any time. Verified
- Churchill charges an admin fee to cancel, but will not say how much. Its current car policy booklet says that cancelling after the 14-day cooling-off period means paying for the cover used plus an administration fee, and points you to your own car insurance details for the amount. No figure is published on churchill.com, so check your documents or ask on the call. Unverified
What they'll say, and what to say back
They doReduces the renewal mainly when you say you will not renew.
You sayBe explicit that you intend to leave. That is what moves the conversation.
They doOpens with a small discount.
You sayDecline the first offer and cite your benchmark quote.
They doAdds free extras rather than cutting the premium.
You sayAsk specifically for the cash reduction on the premium.
General These patterns are drawn from published consumer reporting on insurer retention behaviour, not from Churchill’s internal scripts.
Lines that work
"I will not be renewing this year. I have found the same cover for £X elsewhere."
General States the intention plainly, which is what routes you to someone who can change the price.
"Can you match or beat my cheapest quote?"
General Use after declining their first offer, not before.
We publish these as effective general phrasing. They are not insider scripts, and we don't claim a specific saving from using them.
Where this comes from
| Claim | Source | Checked |
|---|---|---|
| Number 0345 301 4835 and its opening hours, shown behind every car insurance contact topic | Churchill’s own car insurance help page (churchill.com/help/car-insurance), contact topic panels | 25 September 2026 |
| Main contact page shows no phone number; WhatsApp and virtual assistant offered 24/7 | Churchill’s own contact and car help pages | 25 September 2026 |
| Administration fee after the 14-day cooling-off period, amount unpublished; cancelling online, in the app or by getting in touch; cancelling the direct debit does not cancel the policy | Churchill’s own current car policy booklet, linked from churchill.com | 25 September 2026 |
| 0345 877 6675 published for adding extras and changing your car | Churchill’s own car extras page and DriveSure FAQs | 25 September 2026 |
| Aviva ownership since 1 July 2025, and the proposed transfer to Aviva Insurance Limited on 31 December 2026 | Aviva’s own transfer page, aviva.co.uk/dlg-partvii, linked from Churchill’s site | 25 September 2026 |
| Number 0345 877 6675 as a cancellation line | Circulated by third parties. Churchill publishes it for extras and changing your car | Unverified |
| Bank holiday opening hours | Not shown on Churchill’s help panels | Not known |
| The amount of the cancellation administration fee | Not published on churchill.com or in the policy booklet | Not known |
Bill Watch
One email, three weeks before your renewal or fixed deal ends, telling you it's time to shop around. Free, and that's the whole product.
No spam, no sharing your address, unsubscribe in one click. We'll email you once to confirm. The reminder only starts after you click that link.