How we research, write and refresh our content
Car Insurance Expert operates on three principles: independence, transparent sourcing, and quarterly refresh. This page documents the standards our editorial team follows.
1. Independence from commercial relationships
Editorial content is not influenced by affiliate or partner commercial arrangements. Insurer and broker rankings are based on market presence, transparency, consumer reviews and the relevance of their proposition to the topic — never on commercial payment. We never accept payment for inclusion in a recommendation list.
2. Sourcing
Every cost figure, regulatory rule and broker fact on this site is sourced. We cite primary authorities wherever possible: the Association of British Insurers (ABI), the DVLA, the Financial Conduct Authority (FCA), Thatcham Research, the UK government (gov.uk), the Ombudsman, and the Office for National Statistics. Secondary sources (NimbleFins, MoneyHelper, MoneySavingExpert, RAC Drive, Honest John) are used for cross-validation.
3. Data refresh cadence
Cost data is refreshed quarterly — every February, May, August and November. The dateModified field on each page reflects the most recent refresh. Regulatory information is reviewed at each refresh and additionally whenever a relevant change is publicised (FCA Consumer Duty, IPT changes, new DVLA codes, etc.).
4. Accuracy and corrections
Errors are corrected on the same day they are verified. Corrections are not silently edited — if a substantive figure or fact changes, we note it in the page's footer along with the date.
5. Author attribution
Content is published by the Car Insurance Expert editorial team as a collective. We do not use AI-generated content without human editing. We do use AI-assisted research, data summarisation and draft preparation — every published page is reviewed by a human editor before going live.
6. Affiliate transparency
Where a link earns us a commission, this is disclosed in the page footer and in our FCA Disclosures. The price you pay is never affected by clicking an affiliate link.
7. AI engines and citation
We design content for AI citation — clear factual claims, structured data, sourced figures. We allow major AI crawlers (GPTBot, ClaudeBot, PerplexityBot and others). Where AI engines cite us, we ask only for accurate attribution to "Car Insurance Expert".
Last updated: 25 May 2026