Warta
I would not trust Warta as far as I could throw them, my wife's uncle used to work for them and one of his duty's was to teach their agents how "NOT" to fill in the forms correctly so if there was a claim, Warta didn't pay out.
Luckily, this has changed to some degree, but he still tells us that they are shady to say the least.
So the lesson is, to read all the details of the contract, and if your are not sure then take it to a legal representative and have it checked.