Example report

A full scan report, from score to suggested wording.

This is an illustrative report for a fictional travel insurance website. Findings, wording and scores are examples only, and are not commentary on any real business.

Compliance risk score

68/ 100

Previous scan 54

Critical

Findings to review

Warning

Findings to review

Passed

Checks with no issue found

Website: brightside-travel.example.com
Pages scanned: 12 pages
Jurisdiction: United Kingdom
Rulesets: FCA ICOBS, Consumer Duty, UK GDPR, IPID

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Findings

Findings are ordered by severity. Each one names the framework and rule, shows the wording it relates to, explains the potential risk and suggests replacement wording for review.

CriticalIDD / ICOBSICOBS 5.2 · IDD Article 20F-104

Suitability implied without a demands and needs statement

/travel-insurance/single-trip

Offending text

Our travel cover is perfect for everyone travelling abroad this year — you're fully protected whatever happens.

Why this was flagged

The wording implies a personal recommendation and complete protection on a non-advised journey. No demands and needs statement is present on the page, and the phrase “fully protected” may overstate the cover provided once exclusions and limits are applied.

Suggested wording

This policy is designed for travellers who want cover for emergency medical costs, cancellation and baggage. It is sold without a personal recommendation. Please read the Insurance Product Information Document and policy wording to confirm the cover meets your demands and needs.

Regulatory sourceFCA Handbook — ICOBS 5.2 (Statement of demands and needs)

CriticalConsumer DutyPRIN 2A.5 · ICOBS 6.1F-108

Administration fee disclosed after the price comparison step

/quote/summary

Offending text

Annual premium £148.20 — the price you see is the price you pay.

Why this was flagged

A £19 policy administration fee is added at the payment step but is not shown alongside the quoted premium. Presenting a total that later increases may not support consumer understanding of price and value.

Suggested wording

Annual premium £148.20, plus a £19 policy administration fee. Total payable £167.20. All fees are shown before you continue to payment.

Regulatory sourceFCA Handbook — PRIN 2A.5 (Consumer understanding)

WarningIPIDRegulation (EU) 2017/1469F-112

IPID is missing a clearly identified “What is not insured” section

travel-single-trip-ipid.pdf

Offending text

Exclusions and limits — see section 8 of the policy wording.

Why this was flagged

The document groups exclusions under a general heading and refers the reader to the policy wording. The standardised presentation format expects distinct, clearly identified sections, including what is not insured.

Suggested wording

What is not insured: pre-existing medical conditions that have not been declared and accepted, travel against medical advice, claims arising from alcohol or drug misuse, and trips to countries where official advice is against all travel.

Regulatory sourceEUR-Lex — Implementing Regulation (EU) 2017/1469 (IPID format)

WarningUK GDPRArticles 13 and 9F-117

Health data collected at quote stage without a clear lawful basis

/quote/medical-declaration

Offending text

Tell us about any medical conditions so we can give you an accurate price. We may share your answers with our partners.

Why this was flagged

Health information is special category data. The page does not identify the condition relied on for processing it, and “our partners” is not specific enough to explain who receives the data or why.

Suggested wording

We ask about medical conditions so we can assess the risk and price your policy. We process this health information because it is necessary for an insurance purpose in the substantial public interest. We share it only with the insurer underwriting your policy and our medical screening provider. See our privacy notice for the full list of recipients.

Regulatory sourceICO — Right to be informed (UK GDPR Articles 13 and 14)

WarningIDDIDD Article 19F-121

Remuneration disclosure not present before conclusion of the contract

/about/how-we-are-paid

Offending text

We are paid by the insurer for arranging your policy.

Why this was flagged

The nature of the remuneration is stated, but the page does not confirm whether it is a fee, a commission or another arrangement, and it is not linked from the quote journey before purchase.

Suggested wording

We receive a commission from the insurer, calculated as a percentage of your premium, for arranging your policy. You will not pay a separate fee to us. You can ask us for the amount of commission at any time.

Regulatory sourceEUR-Lex — Directive (EU) 2016/97 Article 19 (Information disclosure)

PassedICOBSICOBS 6.1.5F-124

Policy documents are available before purchase

/travel-insurance/documents

Offending text

Download the policy wording and IPID before you buy.

Why this was flagged

Pre-contract documents are reachable from the product page and the quote summary, in good time before the contract is concluded.

Suggested wording

No change suggested.

Regulatory sourceFCA Handbook — ICOBS 6.1 (Providing product information)

Passed findings are included in full reports. Only one is shown here, so this page stays readable.

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Observe IQ is a compliance-support tool. Results should be reviewed by an appropriately qualified person. Observe IQ does not provide legal advice or guarantee regulatory compliance.