What ever type of insurance you are looking for research the provider carefully wether it be critical illness cover or life insurance. If you are knowingly aware that they have a bad reputation then don’t insure with them.
Word of mouth is one of the best ways to know what an insurance company is like. If your friend, neighbours relatives have used them and they have been happy with the providers services then they will recommend them.
People don’t think about insuring items such as their golf items, fishing items, musical items or even their wedding, but think about if any of your items caused damage to a public property or a person. Could you afford to pay out for the damage/ injury they may have caused? Insurance like this is generally classed as a ‘niche’ market so there will be a limited amount of providers. Again researching the internet may help you find the most suitable provider for your insurable items.