- Use two comparison sites plus one direct quote — no single site sees the whole market
- Switch at every renewal — the loyalty penalty is real and recurring
- Standardise first (term, amount, features), never compare headline rates
What Actually Moves the Needle
Good comparison is standardisation: fix the term, the amount and the features first, then rank by total cost — never by headline rate. The market prices the first number you see; value hides in the second and third.
Coverage gaps are structural, not accidental: several major providers sit off-panel deliberately, and ranking order can reflect commercial arrangements. Two comparison sites plus one direct check approximates full coverage.
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