Ceylinco - Superb service and other benefits but premium is higher
Continental - Low cost premium but service and claims are troublesom. But if you have an inside contact, the service is easier and faster

Please go with Union Assurance ( fair First ) they are the best as my experience
rep++if you are living near to nugegoda boralesgamuwa area, i will give you contact on Sri Lanka insurance... he will give you best price

get it through insureme.lk
they give fantastic rates... basically insurance broker rates you wont get even if you have your brother working for the insurance company.
Their service is really good... a young crowd who goes up and beyond to make your satisfied with their work. Also, they aggravate any claims you put it to your insurance on your behalf. So... i say a win-win
I dunno whether their service will fuckup in time to come as with all and many Sri Lankan service providers, but as for now.. they are brilliant.
how about the options? do they provide the same options for the lower rate like insurance broker? usually when we go behind the rate what they do is reducing the facilities and reducing the valuation