L.V WERE RECOMENDED TO US SO WE LEFT CHURCHILL AFTER 5 YEARS,MY MOTHER BROUGHT A B.M.W 320ci CONVERTIBLE IN MARCH UNFORTUNATLY THE CAR WOS BURNED ON PURPUSLY JUST OVER A MONTH AFTER WE PURCHASED IT,WEN WE REPORTD IT TO L.V THE TOLD US THEY COULDNT DO NOTHING AS THE POLICY HOLDER (MY MOTHER WAS ABROAD DUE TO A FAMILY BEREAVMENT) WE WERE THEN TOLD THAT WEN WE TOOK THE POLICY WE DIDNT OPT FOR A COUTESY CAR IN ANY CASE THEN THEY CHEKD THEIR RECORDINGS AND FOUND WE DID AND AN ERROR WOS MADE ON THERE BEHALF,IVE SPENT OVER 3 HOURS OF WAITING FOR THECLAIMS DEP TO ANSWER THE PHONE NO ANSWER! AND WEN YOU FINALLY DO GET THROUGH THY CUT THE PHONE OFF! THE WHOLE THINGS A JOKE SO ANY 1 OUT THERE THINKING OF TAKING ANY KINDA POLICY WITH L.V FORGET ABOUT IT SAVE YA SELF THE EMOTIONAL AND MENTAL STRESS AND A BAG OF MONEY TO! THERES HUNDREDS  OF OTHA COMPANIES WITH 100% BETTER SERVICE.AND I HOPE I HAVE NAMED AND SHAMED THEM.