Total Annual Fund Charges | Scottish Widows

Register For Online Services | Scottish Widows

Life Insurance | Life Insurance Explained | Scottish Widows

Scottish Widows & Halifax Personal Investment Plan | Scottish Widows

Contact Us | Bereavements | Scottish Widows

Trace A Lost Policy | Scottish Widows

Scottish Widows Care | Scottish Widows

Change Of Personal Details | Scottish Widows

Learn | Scottish Widows

Download our app | Scottish Widows

Lists (e.g., `<ul>` or `<ol>`) should only contain list items (`<li>`) as a direct descendant 
to ensure that screen readers can accurately report the amount of items contained in the list. 

## Example

In the following example, some screen readers would say this list has two items, instead of 
four: 

```html
<ul>
    <div class="some_class">
        <li>Example 1</li>
    </div>
    <div class="some_other_class">
        <li>Example 2</li>
        <li>Example 3</li>
        <li>Example 4</li>
    </div>
</ul>
```

To fix this, you would need to remove the `<div class="some_class">` and 
`<div class="some_other_class>` elements and ensure only `<li>` list items remain.

## Further reading

The [formal specification for the list element](https://developer.mozilla.org/en-US/docs/Web/HTML/Element/ul)
shows what is and is not permitted inside an `<ul>` and `<ol>`.

See [Technique H88](https://www.w3.org/TR/WCAG20-TECHS/H88.html) for more information.

list-not-following-semantics

December 2025

November 2025

Scottish Widows

Title / URL	Issues
Total Annual Fund Charges \| Scottish Widowswww.scottishwidows.co.uk/funds/fund-charges.html	27
Register For Online Services \| Scottish Widowswww.scottishwidows.co.uk/register.html	22
Life Insurance \| Life Insurance Explained \| Scottish Widowswww.scottishwidows.co.uk/life-insurance.html	22
Scottish Widows & Halifax Personal Investment Plan \| Scottish Widowswww.scottishwidows.co.uk/investments/options/pip.html	22
Contact Us \| Bereavements \| Scottish Widowswww.scottishwidows.co.uk/contact-us/bereavement.html	22
Trace A Lost Policy \| Scottish Widowswww.scottishwidows.co.uk/contact-us/trace-my-policy.html	22
Scottish Widows Care \| Scottish Widowswww.scottishwidows.co.uk/life-insurance/care.html	22
Change Of Personal Details \| Scottish Widowswww.scottishwidows.co.uk/contact-us/change-of-address.html	22
Learn \| Scottish Widowswww.scottishwidows.co.uk/investments/learn.html	22
Download our app \| Scottish Widowswww.scottishwidows.co.uk/app.html	22

Ensure lists are marked up correctly

Scottish Widows

Where this issue has occurred