The policies seem adequate and Churchill staff seem to be approachable and reasonable. Of course you might expect that as a new customer. The proof of the pudding is in the eating and that means that when it comes to renewal time they don't try it on by all back door methods to put the price up hoping that it slips through unnoticed in what I believe is called 'Inertia selling' where a good number of people forget to check on comparison sites or are too lazy to do so or are distracted in some way. I always check but get a bit fed up of having to do so and then have to barter down the company that I'm with the same old story. If they don't respond in matching the best deals on the market don't worry go to someone else. The majority of house hold names seem to have similar approaches and customer service. I changed to Churchill last year from Hastings who pushed their luck a little too much. So Churchill behave properly or I'm afraid you will go the same way.