I am with comfort to, no complaints with them. My only grumble probably applies to other insurers also, who do not seem to indicate, where, by country you are not insured to drive in, only list of where you are insured for. I refer here to Montenegro, which is geographically within the EU, and therefore likely to driven into unknowingly uninsured.
I recently did a trip to Greece, via Belgium, Germany, Bavaria, Austria, Hungary, Serbia... more about there to follow, and Montenegro.
When I later checked my documents it omits mentioning Montenegro, gives all the nations you can, but presumes the insured must know or remember Montenegro is excluded. I feel it should be clearly indicated that Montenegro is not covered, particularly in view of its geographical location, rather than not mention it anywhere.
When I arrived at the border of Montenegro a 'green card' was demanded, without which I could not proceed, I requested my passport back but was told only when I had the green card which I could buy at their border office. I had to park up and go to the office, pay 50 euro for a third party insurance lasting 10 days, when presented my passport was returned to me.
It was now going dark, so I determined to drive straight through to Greece to avoid any repetition of my experience in Serbia as follows.
The previous day to my reaching the border, I had stayed at a Serbian service, well lit and 24/7, lots of people around. The following morning when I tried to start the engine turned over but failed to start, never happened before, my tank was 3/4 full plenty fuel, tried it a couple more times but nothing. Prior to leaving home I had reinsured with Comfort, and included European Breakdown Cover, whom I called to report the failure to start, was, told to expect a call from a local agent which I received, who verified my whereabouts and said they would be there in 30 minutes. Whilst I was taking the call a car drove up with two men in it, one got out and asked if I was ok, quite why as I did not have the bonnet up or appear to be in trouble, I told him I could not start, he offered to take a look and I lifted the bonnet. The other guy got out of the car and slid underneath, the other said try it now, which I did and it started, I got out and asked them what had they done, he said it was the injection pump sticking and needed 'tapping' to free it, the other guy had fetched a pump wrench from the car and was about to get under again so I dragged him away, as I am very well aware that does not happen to pumps, they suggested I follow them to their garage a few kilometres away, by which time I was pushing them both away from my MH and it was getting nasty. At that moment the recovery truck arrived and the driver spoke with the two men who took off, he rang his boss as he did not speak English, who told me he would be there himself in five minutes which he was. I explained everything to him, he examined the engine and showed me what they had done, it is apparently a scam, and at night they would have slid under the engine and disconnected an electrical plug which I understand allows the pump to operate when the ignition is switched on. They then wait for the resulting non start in the morning, they prey on number plates of tourists, to extract as much as possible from them. The recovery guy was great, the system is I would have paid them and recovered the amount when home, he would not charge me as he said there was little to charge for, but I nevertheless gave him a drink which he was delighted with, a lucky escape I feel. The people at the services where I filled up were very good, checked all around tyre pressures etc. and filled my water tank, one apologised for the actions of his fellow Serb. I did not stop again other than for fuel until the Greek border, where I felt safe to sleep, having spent lots time in that lovely country previously, but from the sea as a yachtsman.