Churchill are ok as they are very much like any other standard insurance company ie pays your monies then if you have an accident they at least respond even though if your car is written off by the 3rd party in an accident dont count on getting ALL your monies back for another car. However, I will very much advise - DO NOT GO TO SLATER GORDON SOLICITORS, they are weak at and seam to have no proper fight in them to help you claim monies from 3rd party's insurance. My advice go to a more independent solicitor like JF Law that will have your interests to fight on behalf of you.