Just bought a 2026 Byd Sealion 7 Premium. Which is the lesser evil out of the four more affordable companies pictured above? Second image shows Ozicare, the other two are then significantly more expensive.

The aforementioned four have lots of negative reviews online, especially Budgetdirect, of which quite a few reviews are on this sub. Oceania is a little less known. After these choices from iSelect, the next cheapest pictured is over 3k.

I know iSelect doesn't have a lot of companies included in the search. I requested a quote from Aami, which was $2200+.

Are any of the above four doable in your experience? Or do you think worth going direct to some other companies and paying a bit more for peace of mind?

Thanks