These days I work on the medical desk of a medical assistance company organising the repatriation of people from overseas who have damaged themselves or got sick abroad. We work for various insurers
What you really want from an insurance company is the knowledge that when the sticky stuff hits the whirly object they will pay out and not quibble.
From that perspective, Thomson are not too good. Price is quite good, but balanced against that is the fact that they will go through your medical history with a fine tooth comb in the event of a claim, and if there is anything in there you haven't declared, they probably won't pay out. And all that checking takes time of course, when time may not be on your side
At the other end of the scale, for the over 50s SAGA are hard to beat for normal everyday type stuff, not too sure about the more 'dangerous' activities. That will hopefully change though as over 50s get more adventurous. But they are very reliable.
For the under 50s, sainsbury is suprisingly good and the one I will probably go for.
Don't forget other specialist insurers though, like through the motorcycle federation, but check who the underwriter is. Cigna is the main underwriter we deal with and they seem pretty good.
of course, all that only applies in the UK!
The key though is hide nothing, if you don't declare something and you need the insurance they may not pay out, even if the reason for the claim is unrelated to what you didn't declare, and they will find out because in almost all illness claims and some accident claims, we will need a medical report from your GP before cover is agreed.
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1990 Landcruiser H60. Full rebuild completed 2014
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