Disgusting Company! I bought another car and sold old one. My previous car covered another insurance company. After that when I sold I got from them the NCD. I send to Churchill this proof on special email address what is accept only the NCD proof. 5 minutes later I get back confirm email, how They got it. In this email They promised next 5 days will send me all documents. after 4 days I called them, because had a bad practice with several insurance companies accepting NCD. But the lady admin said everything is fine. After 6 weeks I got a letter from churchill I need pay 160 gbp, because I dont sent to them NCD. I got this letter as an shock. Phoned them but the admin was arrogant. I shut the phone and continues the discuss in chat platform with another admin. She phoned the previous insurance company they proof me, my NCD Is valid. Lady ask from me: what is expiry date? I said it is only the deadline what mean, if I dont claim money until this date, my NCD will be valid. So definitely valid. My previous insurer is said same to the admin lady in phone. Lady said me ok your NCD is really valid , but she ask when I bought the car? I said 2017. But She seen 2014. (May I did press wrong button on numeric keys) I said, it does not matter because the NCD bonus is depend how long I paid previous insuranece without money claim and if is it more than 1 year, I will get NCD level bonus. She refered to churchill policy is not true I need pay 152 included admin fee or cancel my policy immediately. I needed accept and get 1 week for paying. After that I think again.... Why I need pay exactly? and phoned them again the man said they did not get from me NCD. Shock again! I said to him: another admin phned my previous insurer and get all the proof from them. The amdin man said me he find not. I was really angry and gone to the CAB. (CITIZENS ADVICE BURO) I take them all proof about NCD and Churcill response, how They getting the NCD, from me. CAB is phoned them. The lady is told again they not get the proof. And I need pay 171 gbp (3rd different amount)The CAB admin said is simple lie, because she see now my proof what I got from churchill. churchill admin phoned again my previous insurer because she doesnt understood the expire date. (explanation is below the letter, so I think all of insurer admin an idiot incompetent person , because cant read) so churchill admin got the proof again. and she said I need pay 84 gbp. (4th diffrent amount) I ask why? Because the details change is only for address, job, or name. She said because I bought the 2017 not in 2014 (She refered to policy, but I find not nowhere this information) I said to her: no matter when I bought, because the NCD level is not depend from it. Is depend how long I had valid insurance without claming. She offer me after that 77gbp. (5 th amount) I was tired angry and tense. so accept. but asked the reason why, because will pay that , but I dont close this case yet) She said: Because my new car is different and have no practice for driving it. PFFFFFFFFFFFF... I ask do you know what kind was my previous car? She said no. From where you getting this information I have no practice? I had driving licence more than 15 years. and my new car is a personal car not lorry , not bus, does not matter brand. It is UK 2017! BRAVO!!!! 5 different amount, lie about getting the proof, and reason is totally fake why I need pay. In america in the same situation fro insurer need pay lot of compensation. Why? Because I waste time, energy, money for administration with phone and travel, and nervous, shaked my bodies near to heart attack for several shocking. otherwise.. all of UK insurer a robber. Just a short example about driving practice. If I use the mountain bike and after that use a bmx I forget bycycling?or if a make black tee today, but tomorrow earl grey, will be bad? It is exactly damaging of clients. Idiots.....