I have never had insurance with Churchill but one experience has put me off them completely.

One of their customers crashed into my car (entirely his fault) and of course, because my car is old they wanted it written off. But the car is a) of extreme sentimental value and b) perfectly repairable. I said I wanted to get my £400 (that's what the car is valued at) towards repairs. But they wouldn't pay out unless I gave up the car for scrap.

F**k that, it's over a year later now and I decided the car was worth more to me than the money. Car is now awaiting repairs out of my own pocket and Churchill haven't given me a penny.

Ok, I know all insurance companies have policies they have to follow and Churchill is not alone, but some flexibility please?! All I wanted was a few hundred quid and then I would leave them alone, it's not as if I crashed a BMW or something! Throughout my claim I suffered long arguments with call centres and a million 'lost' claim forms.

Why are they treating me so badly when the crash wasn't even my fault?! I didn't ask to be crashed into by a Churchill customer!

I am keeping the claim open for now (much to their annoyance) and will try to claim back for repair costs after the car is fixed, though I don't believe for a second that I will be successful.

Rant over.