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The only time you really find out how good your insurer is when you have a claim.
With some of the really cheap quotes you find that should you need to alter something during the term of the insurance they charge ridiculous admin fees, so some in depth reading might be on the cards to weed those companies out.
Best insurer for customer service i found was NFU by a country mile, they operate local offices and tend to be rural based obviously, always worth a phone quote you never know, they never charged me any admin fees at all and were a delight to deal with, just wish i could afford to have stayed with them, if they were say 50% more i would choose them every time, but we're talking twice or three times as much as DL.
I've recently gone over to Direct Line, who are not on the usual comparison sites, but do have their own website, they were very efficient on the phone when setting the cover up, and very keenly priced, and i also swapped the home cover to them this year, however as with everything in this i will only find out how good they are should we have need to claim...the only company who proved too inefficient to even take my premium was LV, and i backed away from them because of that.
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