Thank you so much for your reply Swiss Bob.
With my mail, I was not asking any member for advice as such. I would not be so presumtious and always make up my own mind, but your very excellent link was very helpful who not to believe.
Answers on bad experience would also be very helpful. I have searched this site very extensively for information but am still pretty new and would never have thought to look under Spam.
As I said, it is so very frustrating trying to make decisions from so far away.
By the way it is well known here that Churchill (Insurance) is actually Winterthur CH. Whether there is some connection?