Have had home insurance for over 10 years with Churchill and never once made a claim. Woke up Sunday morning to find that my hall carpet and kitchen was soaked in water and on further investigation found that the main water pipe to the property under the stairs was leaking. Phoned Churchill Emergency only to be told that you have never paid for emergency cover and so no matter how long you have been a member, or made no claim, they would not send someone out to help. Was told told to call an emergency plumber and then someone would come out in a couple of days to assess the damage but they would not reimburse plumbers costs and that I would have to pay £350 excess for any work which they would have to carry out. As you can imagine this did not go down well. All conversations from their end surrounded about £350 excess charge and that it would not worth claiming. Nobody i spoke to gave a toss about the problems I was having and what the situation was doing to me, they only worried about £350 excess and the aggro it was going to cause them. I would never, never, never recommend this company as usual profit before service. I shall be making a formal complain to their directly as the treatment I received whilst trying to keep my sanity was a disgrace