Excellent company & policies until the most recent one taken out. Please be careful. We had an overlap on a proof of no claims due to having a policy on another car which we were selling. Because the car didn't go back on the same day as the new policy started and the previous insurance company did not send the proof of no claims for 3 weeks Churchill firstly said they hadn't received proof even though we had email confirmation of this. Then after saying all was ok on 13th September we received a letter saying they were cancelling our policy. I rang again and have had to pay a further £6.72 due to the lapse. Pity I wasn't told this when insuring the car. Quick enough to take the money for the policy in full though. Really not impressed..