My selection process

A. Avoid any with infamous reputation eg Kurnia
B. Select those provide agreed value and not market value (insurance are all scammers)
C. In my car manufacturer panel. Easier to facilitate repair claims. Eg my Honda, i get from Honda panel of insurers. Older cars i dont bother cos not going to send back their centre.
D. Those that provide discount but see point A
E. Easy online purchase