Watch yourself with Admiral/Churchill/Elephant group - they tried to double my premium after a non fault accident on my parked car for which the other side paid everything. They filled their pockets by providing a courtesy car (bog standard Golf match) at the rate of £437 per week (When I had a 170TDI Golf GT Sport) which turned out to be a canny earner seeing as Benfield dragged out a 2 week repair to 7 weeks (and it was still sh!te). You never know how good your insurance are until you go to make a claim.
However, Churchill were excellent as the 3rd party insurer when my current Scirocco got clattered by one of their drivers - very quick to avoid getting shafted by my insurance by ringing me up within minutes of the recovery truck arriving for my car, to offer me any car of my choosing at my local Enterprise up to £30 a day (I ended up with a Merc M350 which sat outside my house for a few days as a whiplash injury kicked in about 18 hours after the accident). They rang me way before I had the opportunity to speak to my insurer, so they'd accepted blame immediately (not hard to determine fault when I was sat in a parked car outside the wife's workplace and someone from another unit in the industrial estate went up the back of me).
Quick to fill their pockets at the other party's expense but also quick to prevent it happening to them.
