Editorial, Corrections & Complaints Policy

01.Mission and audience

InsuranceDico publishes independent, plain-English guides to UK insurance for consumers and small businesses. We are not affiliated with any insurer, broker, comparison panel or underwriter, and we do not sell insurance. Our only obligation is to the reader.

02.Definitions

• Guide, any editorial article published on the Site.
• Contributor, a named author, reviewer or fact-checker credited on a guide.
• Material correction, a change to a factual statement, regulatory citation, statistic, named quote or recommendation that alters the meaning of the guide.
• Non-material edit, a typo, broken link or clarification that does not change meaning.
• Conflict of interest, any direct or indirect personal, financial or professional interest that could reasonably be seen to influence editorial judgement.

03.Independence and separation of editorial and advertising

Insurers, brokers and comparison panels do not commission, review, approve or pay for editorial coverage. We do not publish advertorial, sponsored posts or guest-written guides. Advertising, where it appears, is clearly labelled and is separated from editorial by both layout and decision-making. No advertiser is shown copy in advance and no advertiser has ever caused us to alter, withdraw or soften a guide.

04.Sourcing standards

Every factual claim in a guide is supported by an authoritative source. Permitted sources are:

• the Financial Conduct Authority (FCA), including the ICOBS sourcebook and the FCA Register;
• the Association of British Insurers (ABI);
• the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS);
• the Information Commissioner’s Office (ICO) for data-protection points;
• the Office for National Statistics (ONS) and other official UK statistical releases;
• primary legislation and statutory instruments (e.g. the Insurance Act 2015, the Consumer Insurance (Disclosure and Representations) Act 2012);
• named insurer policy wordings and Insurance Product Information Documents (IPIDs).

We do not rely on press releases, marketing pages or unnamed “experts”.

05.Authors and qualifications

Every guide is written or reviewed by a named contributor whose qualifications, employer history and specialisms are listed on their author page. We use industry-recognised designations (e.g. ACII, FCII, Dip CII) and disclose any current regulated role separately from their editorial contribution.

06.How often we review guides

Every guide is reviewed at least every 12 months and immediately whenever a material change occurs, for example, an FCA rule change, a revision to the FOS award limit, a Budget announcement affecting Insurance Premium Tax, or a change in a leading insurer’s policy wording. The last-reviewed date appears at the top of every guide.

07.Fact-checking and verification

Before publication, each guide is checked against the primary source for every numerical claim, regulatory citation and named scheme. A second editor verifies the citations against the source documents. Quotations from insurers, regulators or ombudsmen are taken verbatim and linked to the original.

08.Editorial use of AI tools

We may use AI tools to draft outlines, summarise primary sources, or generate visuals. Every published guide is then written, edited and signed off by a named human editor who is responsible for the final content. We do not publish unedited AI output and we do not use AI to invent statistics, citations or quotations.

09.Conflicts of interest

Contributors disclose any shareholding, directorship or paid relationship with a regulated firm. Where a conflict exists, the contributor either recuses themselves from the relevant guide or the conflict is disclosed prominently within the guide.

10.Corrections policy and service levels

If you spot an error in any InsuranceDico guide, please tell us. Email editorial@insurancedico.co.uk with the URL and the specific claim you believe is wrong, together with the source you are relying on. Alternatively use our contact form.

Our service levels are:

• Acknowledgement: within two UK business days.
• Material corrections: made within two UK business days of confirmation and recorded in a visible correction notice at the foot of the article, dated and describing what changed.
• Non-material edits: made silently within ten UK business days.

We do not retro-edit guides to make us look right. Where a guide previously contained an error of fact, the correction notice remains in place for the life of the guide.

11.Editorial complaints procedure

If you are unhappy with InsuranceDico editorial content, for example, you believe a guide is unfair, misleading, or breaches our editorial policy, you can complain in three stages.

1. Stage 1, Editor: email editorial@insurancedico.co.uk with the URL, the passage you object to, and the outcome you are seeking. We will acknowledge within two UK business days and aim to issue a substantive response within ten UK business days.
2. Stage 2, Editor in Chief: if you remain dissatisfied, write to the Editor in Chief at the same address marking the email “Stage 2 complaint”. We will issue a final response within 20 UK business days.
3. Stage 3, Independent review: if you are not satisfied with our final response, you may publish your complaint and our response in public, and you retain all rights to seek any other lawful remedy.

12.Matters outside our complaints scope

We can only deal with complaints about InsuranceDico editorial content. Complaints about a regulated insurance product, an insurer’s claims decision, or an FCA-authorised broker must be raised with that firm directly. If the firm’s final response does not resolve the matter, you can refer it free of charge to the Financial Ombudsman Service, telephone 0800 023 4567, within six months of the firm’s final response.

13.Accessibility

We target conformance with the Web Content Accessibility Guidelines (WCAG) 2.2 at Level AA. If you encounter an accessibility barrier on any page, please email editorial@insurancedico.co.uk with the URL and a short description so we can fix it.