A very low quote may reflect less cover, a shorter term, significant exclusions or premiums that can be reviewed later, so compare policies on a like-for-like basis. Be cautious if a seller pressures you to buy, hides fees, gives unclear answers or suggests leaving out medical or lifestyle details, as inaccurate information could affect a future claim. Check the provider on the FCA Register and read the policy wording, including exclusions and cancellation terms. If the cover is complex, consider speaking to an FCA-authorised adviser before deciding.