Insurance website compliance review checklist

Use this checklist as the structure for a manual review, or as a way to sense-check what an automated scan reports. Findings are framed as questions because the correct answer depends on your permissions, products and jurisdiction.

Product pages

1. Does the description of cover avoid implying a personal recommendation?
2. Are key exclusions and limits visible on the page, not only in the policy wording?
3. Is any comparison with other products fair and capable of being substantiated?
4. Are testimonials and ratings current, attributable and not selectively edited?
5. Is the insurer or underwriter identified?
6. Are the IPID and policy wording linked from the page itself?

Quote journey

7. Is a statement of demands and needs present for non-advised sales?
8. Is it clear that no advice is being given, where that is the case?
9. Are eligibility criteria stated before the customer invests time in a quote?
10. Are medical or other sensitive questions accompanied by a purpose and a lawful basis?
11. Are optional add-ons presented without pre-selection or pressure?
12. Is the total payable, including fees, shown before the payment step?

Price and fees

13. Are administration, cancellation and amendment fees disclosed in the journey?
14. Where instalments are offered, is the total cost of credit clear?
15. Are renewal price disclosures consistent with the previous year's premium presentation?

Disclosure and status

16. Is the firm's regulatory status disclosed, with register details where required?
17. Is the nature and basis of remuneration explained before conclusion?
18. Are complaints routes, including any ombudsman or dispute resolution route, easy to find?
19. Is claims contact information available without signing in?

Documents

20. Are pre-contract documents reachable before purchase, not only after payment?
21. Does the IPID follow the standardised sections and remain consistent with the policy wording?
22. Are archived document versions retained so you can evidence what a customer saw?

Data protection

23. Is privacy information available at every point of collection, including quick quotes?
24. Do non-essential cookies and tags wait for consent before firing?

Turning the checklist into a routine

A checklist works once. What changes outcomes is the cadence:

• Re-check product pages after every campaign or price change.
• Re-check the quote journey after any development release that touches forms.
• Re-check documents whenever the policy wording changes.
• Keep a record of what was reviewed, when, and by whom.

Observe IQ automates the repetitive parts of this list, keeps the evidence of each run and alerts you when a monitored regulatory source changes something relevant.

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.