Insurance companies and their thieving off spring are only after your money and how much they can claim from each other. They're all good until you make a claim. Your probably over thinking it.
example - we have your bike and waiting for the 3rd Party to acknowledge and value the bike, will you sign the storage agreement until this gets sorted, the agreement is between you and us and the storage is £1000 a month, but we will claim it from the 3rd party, if you don't sign, we wont be able to claim the money from the 3rd Party and will have to return the bike back to you. Me, don't give a @uck, fetch it back, I have plenty of room for storage, then I will meet the valuer face to face and we can talk money.
I have insurance because I need it to ride legally. As for reviews, a perspective of someone opinion, not worth a carrot to me. I've never experienced a good insurer or their hangers on yet, no matter who they are. Buys your insurance and enjoy many happy years of claim free riding.