You need recomendations from people that have claimed. Only company I have tried to claim with are Asda, I gave up on the claim in the end they were useless(They have changed under insurers since so maybe better now)
I am with Insure and go now and have an annual policy as we go abroard up 8 weeks a year, they have 5 levels of cover, We took top (Black) cover £130 for year.