What is Churchill Comprehensive Plus Car Insurance?

If you’re looking for maximum protection for your vehicle, Churchill Comprehensive Plus is the company’s top-tier car insurance package. This policy goes beyond standard comprehensive coverage to provide additional benefits and higher limits.

In this comprehensive guide, we’ll explain everything you need to know about Churchill Comprehensive Plus:

• Key features and benefits
• What’s included vs standard comprehensive insurance
• Who it’s best suited for
• Cost differences

Let’s dive in and see if Comprehensive Plus is the right high-level protection for your driving needs.

Overview of Comprehensive Plus Car Insurance

Churchill Comprehensive Plus sits at the top of the insurer’s auto insurance lineup. It bundles the highest limits and most extensive features into one premium policy.

The core coverage mirrors Churchill’s standard Comprehensive insurance:

• Collision damage (accidents)
• Theft
• Vandalism
• Fire
• Flood
• Animal collisions
• Glass damage

It also includes mandatory Third Party liability protection in case you cause damage or injury to others.

On top of this base protection, you get a range of enhanced benefits and increased cover limits with Comprehensive Plus. These extras aim to provide more complete protection for your vehicle and finances.

Key Features and Benefits

Here are some of the most significant additions you’ll get with a Churchill Comprehensive Plus policy:

Higher Cover Limits

• Personal accident cover – Coverage for policyholder and partner up to £5,000 (standard policy max is £2,500)

• Motor legal expenses – Up to £100,000 for legal costs to recover losses after an accident (standard policy max is £50,000)

Enhanced Loss Protection

• Guaranteed Hire Car Plus – Hire car for up to 21 days if your car is being repaired or written off after a covered loss

• New car replacement – If your car is totaled or stolen within 2 years of purchase, Churchill will replace it with a brand new model

Extra Benefits

• Automatic foreign use – Coverage extends to driving in the EU for up to 90 days (no need to request it)

• Child car seat cover – Replacement of child seats after an accident

• Vandalism promise – No loss of No Claims Discount if your car is vandalized

• 24-hour emergency helpline – Round-the-clock support for roadside assistance and claims

What’s Included vs Standard Comprehensive Insurance?

How does Comprehensive Plus really differ from a standard Comprehensive policy? Here are the key gaps in protection:

As you can see, Comprehensive Plus focuses on increasing limits, reducing out-of-pocket costs, and adding peace of mind benefits. This removes gaps in protection compared to standard comprehensive cover.

Who is Comprehensive Plus Best Suited For?

Comprehensive Plus isn’t necessary for every driver – it comes at a higher premium cost. Here are some factors that make upgrading worthwhile:

Drivers With New/Leased Vehicles

The new car replacement and enhanced hire car benefits provide extra protection for your vehicle’s value. This gives more flexibility if your car needs significant repairs.

High-Mileage Drivers

The longer auto rental coverage and foreign use benefits suit drivers who rack up a lot of miles.

City Drivers

If parking on streets or in public garages, the vandalism promise saves you from a rate increase after random damage incidents.

Risk-Averse Drivers

Higher liability limits reduce potential out-of-pocket costs if you are found legally responsible for substantial losses in an at-fault accident.

Households With Young Children

Built-in child car seat coverage gives peace of mind to family drivers.

How Much Does Comprehensive Plus Cost Over Standard Cover?

Comprehensive Plus costs 20-30% more than basic Comprehensive on average based on Churchill’s online quotes. However, prices vary widely depending on your:

• Car make, model and age
• Driving history
• Location
• Selected limits and deductibles

For example, Comprehensive Plus could cost an extra £200 annually for a modest hatchback, or upwards of £500 more per year for a high-end vehicle.

Premium differences also tend to expand as you get older due to the increased value of add-ons like new car replacement and rental reimbursement.

It’s critical to get a tailored quote to see if the upgrade makes sense for your situation. In some cases, picking select optional extras like legal cover or a zero-excess policy could provide similar benefits more affordably.

How to Get a Churchill Comprehensive Plus Quote

If you want to see precise prices for Comprehensive Plus, get an online quote directly from Churchill in just a few minutes:

• Visit the Churchill website and click “Get a quote”

• Select car insurance then enter your vehicle details

• Choose Comprehensive Plus when prompted to pick a cover level

• Provide your personal details and driving history

• Review customized premiums showing the exact cost to upgrade vs standard Comprehensive

This side-by-side quote lets you analyze whether the extra benefits justify the price increase.

You can also adjust your voluntary excess, which is one way to potentially lower your costs. Churchill offers a range of excess options starting at £0 on Comprehensive Plus policies.

The Takeaway – Solid High-End Protection

Overall, Churchill Comprehensive Plus makes sense for drivers who want low out-of-pocket risk and high levels of protection for their vehicle’s value. It provides complete coverage across more scenarios than a standard policy.

Before paying a premium price, be sure to analyze the gaps in your existing coverage to confirm the upgrade makes financial sense. But for many owners of new or expensive vehicles, the peace of mind benefits are well worth the additional cost.

Comprehensive Plus lets you tap into Churchill’s full suite of high-end insurance features so you can hit the road with confidence in any situation. Just run an online quote to see if it’s the right fit.