Shocking when it came to making a claim. I had an accident with a vehicle from the emergency services that had gone though a red light. We could not avoid their vehicle. We had a witness and the emergency service themselves were excellent and they admitted liability. This didn't stop Churchill though. They ignored the proof of fault letter I received from the emergency service. They ignored witness statements. They ignored acceptance of blame by the emergency service own insurers and went ahead with a knock for knock settlement. This caused my premium to rise. After much complaining they eventually relented and restored my full no claims which isn't great since they had already received a payout from the emergency services' insurer. I took out legal expense protection. The company used by Churchill (which is owned by Direct Line Group) took 9 months to take the third party insurers to court. This was made worse because Churchill had written to third party insurers accepting liability. This was AFTER they (Churchill) had been paid by the third party insurers!!! Understandably, the third party insurance company did not want to pay my claim. It took about 8 phone calls (one to the police!!!!), many e-mails and threads of ombudsman to get this settled correctly. They are quite cheap but insurance is pointless if the insurers won't fight their own case. Their claim to find you a replacement car is nonsense incidentally. They refer you to a car retailer who tells you to find a car. When YOU have found one Churchill pays them. They will not actually replace your car for you. If a similar cannot be found you then have to buy a car from this dealer or contact Churchill to get the money paid to you. This takes ages.