Hi Yassen,
Searching for an insurance company that will help you in times of trouble, rather than hide behind small print, is like searching for the Holy Grail 😉
For what it’s worth a UK-based insurance provider called Intasure have been advertising here for the last decade. Nobody has ever complained to me about them, and it’s not as if I’m difficult to reach.
https://www.intasure.com/index.asp?introducer=125010
If you click the link above and take out a policy with them I get paid a commission, just so you know.