Hello everyone,
after having fallen for insurance scams several times myself, from now on only one thing counts for me: not the price, but the service. Every insurance broker works on a commission basis and, of course, wants to sell insurance, even those that nobody needs. Whether you sign something or not is up to each individual; it is very advisable to get informed beforehand. But one thing I can tell you: cheaper never means better in the insurance business, because what good is it to me if I have a claim that takes months to be processed and reviewed, and in the end I still have to pay for it myself. Therefore, I advise everyone to find an insurance company that also has a fixed contact point (a branch office) nearby, so you can settle matters on site in case of a claim. ;)