Churchill Discounts

Churchill Discounts

1. What is a Named Driver No-Claim Discount?
If you have named drivers on your Churchill policy, they will earn Named Driver No-Claim Discount in their own name for every year they are not responsible for a fault claim arising on your policy (up to a maximum of 3 years). The Named Driver No Claims Discount earned can be used against a Churchill policy of their own in the future. However, it may not be recognised by other insurers.

2. What does a Named Driver No-Claim Discount entitle me to?
The Named Driver Discount will entitle you to a discount depending on the number of years you have been a named driver on a current Churchill policy without making a claim. (up to a maximum of 3 years).

3. Am I eligible for a Named Driver No-Claim Discount?
You are eligible for a Named Driver No-Claim Discount if you are a named driver on a current Churchill policy (not the policyholder) for over 12 months and subject to your claims history. (up to a maximum of 3 years).

4. Can I transfer my Named Driver No-Claim Discount to an existing Churchill policy?
Yes you can transfer your Named Driver No-Claim Discount (up to a maximum of 3 years). Any transfer of Named Driver No-Claim Discount only acts to 'top-up' the existing No-Claim Discount, the two discounts are not added together.

5. If someone is a named driver on my policy and they insure their own vehicle with Churchill with a Named Driver No-Claim Discount, and have an accident in their vehicle, will this affect my policy?
If this does happen it won't affect the No-Claim Discount on your policy but under the Duty of Disclosure you are obliged to report this to your insurer, and depending on the circumstances it could affect your future premiums. You are obliged to report this regardless of whether the named driver has a policy of their own or not.

6. What is a Multi-Car Discount?
If two or more cars in your household are insured with Churchill or if you are a named driver on another Churchill policy, we will give a discount on the second and subsequent car insurance policies.

7. What does a Multi-Car Discount entitle me to?
The Multi Car Discount will entitle you to a discount on 2nd and subsequent cars that are insured with Churchill when the policyholder of each car lives at the same address or if you are a named driver on another Churchill policy.

8. Am I eligible for a Multi-Car Discount?
You are eligible for a Multi-Car Discount on your Churchill policy if you live at the same address as the first car insured with Churchill or if you are a named driver on another Churchill policy.

9. Am I eligible for a Multi-Car Discount if I am only a named driver on 2 or more cars insured with Churchill and registered at 2 different addresses?
You are eligible for Multi-Car Discount if you are named driver on another policy even if it is registered at another address.

10. Can I use a friend or relatives Multi-Car Discount without asking them?
No you cannot use a friend or relatives Multi-Car Discount without asking them, the policies need to be linked to each other. When completing a Car Insurance quote you are asked if you have consulted and agreed with the policyholder to their policy being linked to your policy.

11. What is an Only Driver Discount?
If you are the only person insured on your Churchill car insurance policy and you purchase an additional car that will only be driven by you, we will give you an extra discount on the policy for your new vehicle.

Once applied to a policy the extra discount given for your additional car works the same way as No Claim Discount (NCD) in that if you make a claim the discount will be reduced.

12. Am I eligible for an Only Driver Discount?
You are eligible for an Only Driver Discount if you hold an existing Churchill Car insurance policy with No Claim Discount (NCD) and providing you are the only person insured to drive each car.

13. If I add an additional driver to any of my policies am I still eligible for the Only Driver Discount?
You cannot get an Only Driver Discount, because in this situation it would be possible for your additional driver to be driving one car at the same time as you were driving the other.

14. If my first policy is for my spouse and my 2nd policy is for me only, can I get a Matched No-Claim Discount?
You cannot get a Matched No-Claim Discount, because in this situation it would be possible for your spouse to be driving one car at the same time as you were driving the other. We can only offer Matched No Claims Discount to you if you are the only person.

15. What happens if I am not the only driver on my 2nd car, do I still get a Matched No-Claim Discount?
You will not get a Matched No-Claim Discount because in this situation it would be possible for another person to be driving your second car at the same time as you were driving your first. We can only offer Matched No Claims Discount to you if you are the only person insured to drive each car.