Regulatory status and commercial disclosures
Car Insurance Expert is a UK editorial publisher. We are not an FCA-authorised insurance intermediary. This page documents what we do, what we don't do, and our current commercial status.
1. We are not FCA-authorised
Car Insurance Expert is a publishing business, not a regulated insurance intermediary. We do not arrange contracts of insurance, do not advise on the merits of one policy over another, and do not make personal recommendations. Information published on this site is general in nature — it is information only, never financial advice.
2. We do not sell, arrange or compare insurance
Every link and call-to-action on this site points to our own research pages or to official primary sources. We do not pass your details to insurers, brokers or comparison sites, and nothing you do on this site results in a policy being quoted, arranged or sold. If you decide to buy insurance, you will deal directly with an insurer or an FCA-authorised intermediary of your own choosing.
3. Current commercial relationships: none
Car Insurance Expert currently has no commercial relationships with insurers, brokers, comparison sites or affiliate networks, and we earn no commission from any of them. The site is presently unmonetised while we build our research. We intend to seek an Introducer Appointed Representative (IAR) appointment with an FCA-authorised principal in future; if any partnership or revenue arrangement is put in place, it will be disclosed on this page and on our How we get paid page before it starts.
4. No incentive to recommend specific products
Our editorial guidance (insurer rankings, broker recommendations) is based on market presence, transparency, consumer reviews and topical relevance. There are no commission arrangements to weight our recommendations — and if disclosed commercial relationships are introduced in future, they will never determine rankings — see our Editorial Standards.
5. Where to complain
If you have a complaint about an insurer, broker or comparison site, please complain to that firm first, then to the Financial Ombudsman Service. If your complaint is about the content of this site, email editorial@carinsuranceexpert.co.uk in the first instance.
6. Consumer Duty
The FCA's Consumer Duty (in force since July 2023) requires that consumers in financial services aren't exposed to foreseeable harm. Although we're not directly regulated, we apply Consumer Duty principles voluntarily — clear pricing information, transparent product information, no misleading content.
Last updated: 2 August 2026