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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>


  <!-- US: insurance bad faith by state (added 2026-08-21) -->
  <url><loc>https://overcompare.com/us-bad-faith.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-alabama.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-alaska.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-arizona.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-arkansas.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-california.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-colorado.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-connecticut.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-delaware.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-florida.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-georgia.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-hawaii.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-idaho.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-illinois.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-indiana.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-iowa.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-kansas.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-kentucky.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-louisiana.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-maine.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-maryland.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-massachusetts.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-michigan.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-minnesota.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-mississippi.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-missouri.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-montana.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-nebraska.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-nevada.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-new-hampshire.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-new-jersey.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-new-mexico.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-new-york.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-north-carolina.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-north-dakota.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-ohio.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-oklahoma.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-oregon.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-pennsylvania.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-rhode-island.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-south-carolina.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-south-dakota.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-tennessee.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-texas.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-utah.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-vermont.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-virginia.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-washington.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-west-virginia.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-wisconsin.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-wyoming.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-district-of-columbia.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://overcompare.com/insurance-bad-faith-puerto-rico.html</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

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