Have you compared like with like?

Watch out for how different charges, types and levels of cover, and your excesses are calculated when you compare policies.

For example, some insurers set their voluntary excess (the amount of any claim not covered by the insurer) at a high level to make sure they come out cheapest on comparison sites.

When comparing policies and prices, make sure that the features you are comparing – such as excess amounts – are similar.

If you are buying from a comparison site, remember to check the level of cover you’re being offered – insurers often cut down on cover to make sure that they’re the cheapest.