Howdy Serg & Jella,
Do you want me/us to assume we individually each have a consensus, or do you want us to start with our own experience (therefore considered opinion) from which a consensus can be derived?
I assume the latter so here goes! 12 years, 120,000k of towing current van and with SGIC all that time, and we have considered quite seriously changing at times. HOWEVER SGIC have the best offering for us with an agreed value deal. PLUS we recently had 4 different superficial problems fixed under their system with each case treated individually hence 4 individual excess amounts and we are delighted with their assistance in the matter. HENCE we will be re-insuring with them soon when the policy is to be renewed.
Cheers