I'm not sure that the underwriters have much to do with how good the coy is to deal with. i would look for reviews done on independent websites rather than those found on their own site. You are more likely to get a balanced perspective that way.
While I know what you mean with regards to no claims in thirty years...Murphy's law says that as soon as you move, you will need to make a claim and possibly find they are difficult to deal with. Hopefully the reverse is more the reality.
Cheers,
Sean
“Only two things are infinite, the universe and human stupidity, and I'm not sure about the former.” - Albert Einstein
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