A low price is not automatically a problem, but check whether the policy provides enough cover and whether premiums can rise over time. Be wary of unclear exclusions, unusually limited terms, pressure to buy quickly, or claims that acceptance or payouts are guaranteed without considering your circumstances. Answer health and lifestyle questions accurately, as missing information could affect a future claim. Check the insurer or broker on the FCA Register and read the policy documents carefully; if the cover is complex, consider speaking to an FCA-authorised adviser.