We appreciate that you’re not going to sit in an insurer’s office or have a phone conversation and ask them if you can trust them. Directness is usually a virtue, but sometimes it might not be the best approach. Simply ask them about their accreditation by any regulatory bodies and what kind of complaints procedure they operate. They should be perfectly happy to give you all the information you need, so if they seem to be less than forthcoming, it might be a warning that all is not perfect. Even if you do get satisfactory answers, it’s well worth doing your own research using Free Price Compare and consumer forums which are easy to find online.