Cheap insurance can be likened to a cheap bottle of wine. It looks and smells the same, but when it comes to the taste it leaves in your mouth after you've tested it, you instantly regret not going with the more expensive, matured bottle.
Not all insurance products are created equal. There are comprehensive products, and then there are basic, limited, gimmicky covers that lack in areas you may well find important come claim time.
Too often we see clients simply picking the cheap insurance option because it is just that, the cheapest! When it comes to insurance, the cheapest in my experience always ends in a bitter taste in your mouth because it will either lack in coverage or in the service of the person administering the cover.
Arranging cheap insurance is easy; arranging the right cover for the right price (so that when it comes time to make a claim your policy is there to stand behind you) is what takes skill and knowledge.
When considering your next policy don't just look at look at cost, look at what you are actually getting covered for because trust me, if you don't, you could be paying for a policy that is simply not worth the paper it is printed on!