Define what “best” means
Write down your priorities before looking at quotes: keeping your doctor, access to specialists, an affordable annual budget or particular supplementary benefits. Rank these priorities. A low headline price is less useful if the first-contact rules do not suit how you organise care.
Compare equivalent scenarios
Use your actual postcode, age, deductible and accident setting in the official premium comparison. Then read the model rules alongside the price. Ask for a written explanation of the required first contact and exceptions. Treat supplementary cover as a separate comparison with its own acceptance and contractual conditions.
Make a deliberate choice
Keep a simple comparison table with annual premium, care pathway, deductible and any outstanding questions. Resolve those questions before signing. A useful review ends with a clear reason for choosing a contract, rather than a claim that one insurer is always the best for everyone.