[embee]

The other thing of course is to try to avoid using a DEBIT card at all for such transactions, a CREDIT card means you have the credit card company in between you, they will have plenty of clout and don't tend to take kindly to being abused. Using a debit card amounts to handing over cash.
You may well have reason to have used a debit card, but try to avoid it when dealing with "unknown quantities" like insurance brokers or unknown online retailers.

I'll happily pay a bit extra for insurance as long as the company is well known and has a good reputation and reviews.

Your experience is good info for others, thanks for sharing.