Disclaimer & Affiliate Disclosure

General information, not advice

Everything on PublicLiabilityCost.co.uk is general information only. It is not financial advice, not insurance advice, and not a substitute for speaking to a qualified broker or the insurer directly about your specific circumstances. We are not a regulated financial adviser, and nothing on this site should be treated as a personal recommendation.

Affiliate disclosure

Some links on this site are affiliate links. If you click through and take out a policy with a provider, we may earn a commission — at no extra cost to you. This does not affect the price you're quoted by the provider. Our editorial content and price verification process (see methodology) are the same regardless of whether we have a commercial relationship with a given provider.

This disclosure is made in line with UK Advertising Standards Authority (ASA) and CAP Code requirements on clear identification of affiliate marketing content.

Accuracy and pricing

Prices change. We verify each figure at a specific point in time, stated clearly next to the figure, but insurers can and do change pricing without notice. Always confirm the current price and policy terms directly with the provider before making a decision — treat every figure on this site as a starting point for your own research, not a guarantee.

The calculator

Our calculator produces an orientative range only, never a specific premium. It cannot account for your individual claims history, exact circumstances, or a specific insurer's underwriting decisions. It is not a quote and cannot be relied upon as one.

No liability

While we make every reasonable effort to keep information accurate and up to date, we accept no liability for decisions made based on the content of this site. Always verify directly with the insurer before purchasing a policy.