My experience with United hasn't been too bad. The premium you're being offered is great.
I did have to file a claim recently and I found out that their surveyors, at least in Karachi, will approve any claims under 50K on their own. My claim was around 60K and required quite a few calls to multiple people in Islamabad, Lahore and Karachi. Just keep in mind that if - Allah na karay - you need to file a big claim then they will need considerable convincing to process your claim.
Hope this helps.