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Churchill is part of RBS Insurance, the number one car and home insurer in the UK (based on policies in force 2010) and is wholly owned by the Royal Bank of Scotland Group. Customers can find out more about Churchill products or get a.

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Mr Hughes said he was relieved when he "turned the corner" into Windy Harbour to see his house still standing. "I went through our papers and found it wasn’t covered for fire insurance," he laughed. "So I was relieved to see it."

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Just, as they say, in the nick of time. The days of dodgy car insurance claims could be numbered as more vehicles are equipped with telematics boxes and sensors that can help insurers weed out fraud.

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