FCA disclosures
My Insurance Expert is an independent editorial research service. We are not authorised or regulated by the Financial Conduct Authority. This page explains exactly what that means: what we do and do not do, our current commercial status, how the site is funded, and how to complain or check a firm before you buy.
Our regulatory status
My Insurance Expert is not authorised or regulated by the Financial Conduct Authority (FCA). We are an independent publisher that researches the UK insurance market and provides information only. We do not sell, arrange or compare insurance, and we do not currently introduce or refer readers to any insurer, broker or comparison site. We intend to seek an Introducer Appointed Representative (IAR) appointment with an FCA-authorised principal in future; until that is in place, no introductions take place. We are registered with the Information Commissioner’s Office (ICO) for data protection, and our registered office is shown on our legal page.
What this means we can and cannot do
Because we are not FCA-authorised, there are firm limits on our role:
- We do not give financial or insurance advice, and we do not tell you which policy is right for you.
- We do not recommend specific policies, products or insurers as suitable for your circumstances.
- We do not arrange, sell, compare or administer cover.
- We do not handle your money, take payments for premiums or process claims.
What we do is publish independent, general information. We do not pass enquiries to brokers or anyone else — if you decide to seek cover, you will deal directly with an insurer or an FCA-authorised intermediary of your own choosing.
Introductions and referrals: none at present
We do not currently make introductions. No enquiry, click or form on this site results in your details being passed to an insurer, broker or comparison site — every link and call-to-action leads to our own research pages. If we obtain an Introducer Appointed Representative appointment in future and begin making introductions, this page will be updated first to name the FCA-authorised principal and explain exactly how the arrangement works, before any introduction takes place.
Financial promotions
Some content about quotes, prices or specific regulated products can be a financial promotion under the FCA rules. We have no FCA-authorised partners and do not carry quote or promotional content from any regulated firm. Our editorial pages are general information and education only, and are not financial promotions inviting you to buy a particular product. If regulated promotional content ever appears on this site in future, it will be provided or approved by an FCA-authorised firm and clearly labelled as such.
How we are paid
Using My Insurance Expert is free for you — and at present we are not paid by anyone. We receive no introducer fees, no affiliate commission and no advertising income from insurers, brokers or comparison sites; the site is currently unmonetised while we build our research. Any future revenue — advertising or clearly disclosed partnerships — will be set out on this page and on our How we get paid page before it starts, and it will never affect the price you pay or the research we publish.
Complaints
Where you complain depends on what the complaint is about:
- A complaint about advice, a quote, arranging cover or a policy should go to the FCA-authorised firm that handled it. That firm has a regulated complaints process, and if you are not satisfied you can usually escalate to the Financial Ombudsman Service (financial-ombudsman.org.uk).
- A complaint about our website content — for example an error or something unclear in our information — comes to us at editorial@myinsuranceexpert.co.uk. As we are not FCA-authorised, the Financial Ombudsman Service does not cover our editorial content.
How to check a firm on the FCA Register
Before you buy any insurance or act on advice, you can and should verify that the firm is authorised. The FCA Register at register.fca.org.uk is the official, free public record of every firm and individual the FCA authorises. Search the firm’s name or reference number to confirm it is authorised, see which regulated activities it is permitted to carry out, and check its contact details match. If a firm is not on the Register, or the details do not match, do not proceed until you have confirmed who you are dealing with.
Information only — not financial advice. My Insurance Expert is not an FCA-authorised intermediary and does not sell, arrange or compare insurance. We provide independent information and currently have no commercial relationships with insurers, brokers or comparison sites. Last updated: 2026-08-02