My mother bumped into a parked car while trying to avoid another car that didn't respect a stop sign. As a result, there was damage to my mother's bumper and the other person's car, which was parked by the roadside. The damage wasn't major, so we were undecided about whether to go through insurance or just pay directly to avoid increasing my mother's premium. I called Churchill and explained that before officially making a claim, I wanted to know if, and by how much, my policy premium would increase. We had some difficulty getting through to someone who could answer the question; the first person we spoke to was like a robot. Eventually, we got through to someone who said the premium would not increase. I explicitly asked twice, "Are you sure it won't increase the premium?" and I was assured there would be no increase. Perfect, I thought, let's make the claim. Two months later, the renewal letter for the insurance arrived. And what did we find? The premium had increased by £700 to a total of €1250! I called Churchill and explained that this was contrary to the information I had received. They were very apologetic and said it was a terrible mistake, but the information provided earlier was incorrect, and there was nothing that could be done to reduce the premium. Let there be no mistake, there was no misunderstanding on my part regarding whether the premium would increase. I spent 45 minutes on the phone with Churchill trying to find someone who could answer that question before actually making the claim. (I would also add that the issue caused an argument in the family, as my father was adamant that making a claim would increase the premium, and he was against making the claim; hence the initial telephone call to Churchill.) Anyhow, my advice is don't beleive a word they say.