Quick answer
Churchill home insurance opening hours
| Day | Hours on 0345 301 1648 |
|---|---|
| Monday to Friday | 8am to 8pm |
| Saturday | 9am to 5pm |
| Sunday | 9am to 4pm |
Those are the hours Churchill shows on its own home insurance help page, under cancellations, renewals, general enquiries and every other topic there. Weekdays close an hour earlier than the car line, which runs to 9pm. The panels show no separate bank holiday hours, so we do not give any. Verified
Home insurance: cancellations, renewals and everything else
0345 301 1648Getting 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
The number most guides give for Churchill home does not exist. 0345 603 3551 appears nowhere on churchill.com: we checked every page in their sitemap and both current home policy documents. Numbers close to it are real, which is probably how it got into circulation, but that one is not. Verified
Churchill’s own documents disagree with each other. Their website gives 0345 301 1648 for cancellations; their current home policy booklet tells you to cancel on 0345 878 6414, which it also gives as the claims line. Both are official. We lead with the website number because it is the topic-specific cancellations line. Verified
Cancelling the direct debit does not cancel the policy. Churchill’s home booklet says you must contact them to cancel from a specific date, even if you pay monthly, and that stopping the payments leaves you owing money. 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 LV= or AXA. 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
- An admin fee applies, and Churchill will not say how much. The current home policy booklet says that after the 14-day cooling-off period you pay for the cover used plus an administration fee, and refers you to your own policy details for the figure. Nothing is published, so ask on the call. Unverified
What they'll say, and what to say back
They doOffers a reduction once you say you will not renew.
You sayBe explicit about leaving rather than asking for a discount.
They doStarts with a small discount.
You sayDecline it and cite a like-for-like buildings and contents quote.
They doAdds cover rather than cutting the premium.
You sayAsk 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. I have found the same buildings and contents cover for £X elsewhere."
General States the intention plainly.
"Can you beat my cheapest home 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 1648 and its opening hours, shown behind every home insurance contact topic | Churchill’s own home insurance help page (churchill.com/help/home-insurance), contact topic panels | 25 September 2026 |
| The booklet’s cancellation number 0345 878 6414, also given as the claims line; admin fee with amount unpublished; contact needed to cancel from a date | Churchill’s own home insurance policy booklet, September 2025 edition, linked from churchill.com | 25 September 2026 |
| 0345 603 3551 appears on no Churchill page | All 387 pages in Churchill’s own sitemap, plus its current home policy booklet and policy document | 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 603 3551 | Widely circulated as Churchill’s home line. Not published by Churchill | Unverified |
| Bank holiday opening hours | Not shown on Churchill’s help panels | Not known |
| The amount of the cancellation administration fee | Not published by Churchill anywhere we could find | 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.