How to Cancel Churchill Insurance
Churchill Insurance (part of Direct Line Group) offers car, home, and travel insurance. Cancellation is done by phone. The 14-day cooling-off period applies for full refunds; after that, fees apply.
Steps verified March 2026
Quick Facts
Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
Full refund within 14 days minus days on cover. After 14 days, cancellation fee applies.
After cancellation
Policy records retained per FCA regulatory requirements.
What to Watch Out For
- Phone-only cancellation with no online self-service
- Cancellation fee and charge for time on cover not disclosed upfront
- Separate phone numbers for different policy types create confusion
Cancellation Steps
Go directly to Churchill Insurance cancellation pageFind your policy number
Check your policy documents or the Churchill app for your reference number.
Call Churchill
Phone 0345 877 6680 for car insurance or 0345 877 6655 for home insurance.
Request cancellation
Provide your policy details and confirm you want to cancel.
Confirm any refund or fees
Ask about cancellation charges and any pro-rata refund due.
Tips & Things to Know
- Within 14 days, you pay only for the days of cover used.
- After 14 days, expect a cancellation fee plus a charge for time on cover.
- If you have a live claim, the full annual premium may be due.
Your Consumer Rights
- You have a statutory 14-day cooling-off period for insurance policies under the Insurance Conduct of Business rules
- Insurers must provide a pro-rata refund after the cooling-off period minus reasonable admin charges
- Churchill must clearly disclose cancellation fees before you commit to cancelling
Frequently Asked Questions
Can I cancel Churchill insurance online?
No, you must call 0345 877 6680 (car) or 0345 877 6655 (home) to cancel.
What is the 14-day cooling-off period?
You can cancel within 14 days of purchase and pay only for the days you were covered.
What fees apply after the cooling-off period?
You will pay a cancellation fee plus a charge for the days on cover. The exact fee depends on your policy.
What if I have an open claim?
If you have an active claim, the full annual premium may become payable.
Does cancellation affect my no-claims bonus?
If you have had a claim, cancelling mid-term may reduce your no-claims discount.