How we’re funded, and why it doesn’t bend our editorial

An affiliate link is a normal-looking link with a tracking code attached. If you click one and then buy a policy from the provider within their tracking window, the provider pays us a fixed fee or a small percentage of the premium. The provider absorbs that cost as a marketing expense. The price you pay is unchanged.

We don't get paid for clicks, impressions, scrolls, or filling in a quote form. We get paid only if you decide the policy is right for you and choose to buy it.

These are the affiliate programmes we have applied to or are in the process of applying to. The list will be kept current as approvals land and as the affiliate market shifts.

• PolicyBee — direct programme. Specialist broker for charity trustee indemnity and small commercial cover. Likely primary partner for our trustee indemnity and village hall pages.
• Simply Business — via the CJ (Commission Junction) network. Mass-market UK SME broker; likely primary partner for our community-group public liability and generic small-organisation pages.
• Markel UK— direct programme. Lloyd's-backed insurer with strong charity and CIC lines. Likely partner across trustee indemnity and village hall coverage.
• events-insurance.co.uk — direct programme. One-day and short-term event cover for fetes, fairs and community events. Likely partner for our event-insurance pages.

We may add adjacent programmes over time — for example, business banking for community groups, DBS-check providers, or charity accounting software. Any such addition will appear on this list before we publish the first tracked link.

We do not currently accept sponsored posts, paid placement, “featured” spots in comparison tables, or pay-to-be-included listings. If that ever changes, the change will be disclosed here first, and any sponsored content will be marked clearly at the top of the page in which it appears.

We do not accept payment to remove negative coverage, modify a review, or move a provider up a comparison.

We do not run display advertising, retargeting pixels or third-party ad networks.

We publish the underwriter behind each broker. The underwriter is what actually matters for whether a claim gets paid, and it's usually buried.

We publish prices with dates, and we update or remove them as schemes change. We don't leave a 2022 specimen quote sitting on a page in 2026 because the affiliate link still works.

We are willing to tell you that the cheapest option is the right one, even when it is the option we earn the least from. The credibility of the site is worth more than a single £40 commission.

Where we think you do not need a product at all — for example, where trustee indemnity insurance is genuinely not worth it for a small unincorporated association — we say so on the page, even though it costs us the affiliate referral.

We are not an FCA-authorised insurance intermediary. We do not arrange, advise on, or transact insurance contracts. The brokers and insurers we link to are FCA-authorised; we link to them so you can speak to them directly.

Nothing on this site is regulated financial advice. For a binding recommendation on a specific policy, speak to a regulated broker.

This disclosure exists to satisfy the UK Advertising Standards Authority's CAP Code requirements on identifiability of paid-for content, and the Competition and Markets Authority guidance on online endorsements and reviews. We've written it in plain English because that is the point.

If something on this site looks like an undisclosed affiliate arrangement, or a review you suspect has been bought, tell us. We will either show you the disclosure, fix the omission, or, if you've found something we didn't notice, thank you.

Contact us.