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  <!-- Homepages (UK + US, linked via hreflang annotations in HTML) -->
  <url><loc>https://overcompare.com/</loc><lastmod>2026-05-22</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>

  <!-- Tools -->
  <url><loc>https://overcompare.com/smart-match.html</loc><lastmod>2026-07-07</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- Insurance -->
  <url><loc>https://overcompare.com/car-insurance.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://overcompare.com/home-insurance.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://overcompare.com/life-insurance.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://overcompare.com/travel-insurance.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/pet-insurance.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/business-insurance.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/funeral-plans.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Contracts -->
  <url><loc>https://overcompare.com/broadband.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://overcompare.com/energy.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://overcompare.com/mobile-phones.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/sim-only.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/tv-packages.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/home-phone.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Finance -->
  <url><loc>https://overcompare.com/credit-cards.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://overcompare.com/personal-loans.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/mortgages.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://overcompare.com/savings.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/current-accounts.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/isas.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Services -->
  <url><loc>https://overcompare.com/boiler-cover.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/home-warranties.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/mot-servicing.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/breakdown-cover.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/dental-plans.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/cashback-sites.html</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Hub pages (head-term, high priority) -->
  <url><loc>https://overcompare.com/which-comparison-site-is-best.html</loc><lastmod>2026-05-18</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://overcompare.com/market-audit.html</loc><lastmod>2026-05-24</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>

  <!-- Direct & Specialist directories (affiliate-targeted) -->
  <url><loc>https://overcompare.com/personal-loans-direct.html</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/car-insurance-direct.html</loc><lastmod>2026-05-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/mortgages-direct.html</loc><lastmod>2026-05-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/broadband-direct.html</loc><lastmod>2026-05-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/credit-cards-direct.html</loc><lastmod>2026-05-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://overcompare.com/business-insurance-direct.html</loc><lastmod>2026-05-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- General -->
  <url><loc>https://overcompare.com/about.html</loc><lastmod>2026-05-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://overcompare.com/privacy.html</loc><lastmod>2026-05-16</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://overcompare.com/contact.html</loc><lastmod>2026-05-16</lastmod><changefreq>yearly</changefreq><priority>0.4</priority></url>

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