WGV or Allianz, i.e. Direct vs. Premium? Experiences with WGV?

Hello, I’m about to let my first own car. I’ve been driving the driver’s license for 17 years and I’ve been driving a lot of different cars, just not mine. Unfortunately, you’re not better with the insurances than with 24… 🙁 Now I’m faced with the following decision: Premium or direct insurance… In direct insurance I got a very good offer from the WGV – according to the circumstances, but it’s a direct insurance which is always torn away. And with the indication “Preinsurer has quit” you can carry the gold bars to the company headquarters with the SF-Class 1/2 (or then 0) and still fear that they will take one… (Or is that in truth much less bad than you read it? Always complain about the 1% with problems, the rest remains silent…) Then the alliance as a premium provider is still in the room with which I directly enter the SF-Class 4 If I were to use my girlfriend’s contract as a reference, it would still be almost 40% more because I would have to take the premium tariff for CAP cover (leasing). What would you do?