As said above price isn't everything. If you are a long distance tourer also check countries covered by green card post Jan 1. We had problems in the Balkans back in 2015. Had to buy local insurance x2 (Albania, Montenegro) despite supposedly having documentary proof of insurance cover. Headley after appealing via Hiscox refunded our €100 outlay. Really happy with Headley and I pay £320.
I was with Headley for many years until I moved to France - always had great service.
