Aviva vs Churchill
Side-by-side car insurance comparison based on rates across all available locations
Aviva
4.3Avg Monthly
£81/mo
Best Rate
£61/mo
Best For
Comprehensive
Top Discount
Multi-policy 12%
Founded
1696 · London, England
Available In
12 locations
Churchill
4.1Avg Monthly
£100/mo
Best Rate
£80/mo
Best For
New drivers
Top Discount
NCD protection
Founded
1989 · Bromley, London
Available In
3 locations
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Rate Comparison by Region
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Pros & Cons
Aviva
Pros
- ✓Widest product range of any UK insurer — car, home, life, health in one place
- ✓5-Star Defaqto ratings on key products
- ✓Multi-product discount when bundling two or more policies
- ✓Strong financial stability — part of the FTSE 100
Cons
- ✗Premiums for single-product policies are not always the lowest
- ✗Claims experience can vary by product line
Churchill
Pros
- ✓Available on price comparison sites for easy benchmarking
- ✓Competitive rates for younger and new drivers
- ✓Guaranteed courtesy car on comprehensive policies
- ✓Motor Legal Protection and breakdown cover add-ons available
Cons
- ✗Shares claims infrastructure with Direct Line Group — not independent
- ✗Standard cover levels can require add-ons for full protection
Which Should You Choose?
Churchill is the cheaper option in 2 of 3 regions where both insurers operate, saving an average of £4/month. Aviva is cheaper in 1 regions.
Aviva has a higher average customer rating (4.3/5) compared to Churchill (4.1/5). However, ratings can vary by region and coverage type.
Aviva is generally best for comprehensive, while Churchill stands out for new drivers. The right choice depends on your priorities — lowest price, best service, or specific discounts.
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