Can you trust your insurance company?

Can you trust your insurance company on the following:

a) give you a fair deal?
b) keep your cost low?
c) handle your insurance claims fairly?
d) give you the best possible return?

Your insurance company can be trusted only if:

a) it operates efficiently
b) keeps its cost low
c) gives a fair deal to customers
d) communicates openly with you
e) makes it convenient for you to reach the right people
f) does not lock you up in a long term contract with termination penalty

The trustworthy insurance company can still make a fair profit for its shareholders, but this is done by giving good value to its customers (and not by "creaming off" the customers).