Insurance should be on the car itself instead of the individuals who drive it

In some countries, such as America and Portugal, insurance is based on vehicle itself instead of being based on the individual who drives it. This is an effective method for families and friends as they are able to share a car without paying for multiple insurances.

This petition closed on 15 Jun 2018 with 60,448 signatures


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Recent Documents related to Insurance should be on the car itself instead of the individuals who drive it

1. Insurance should be on the car itself instead of the individuals who drive it
13/12/2017 - Petitions

Found: In some countries, such as America and Portugal, insurance is based on vehicle itself instead of being

2. Motor insurance: car or driver?
01/03/2018 - Parliamentary Research

Found: Motor insurance: car or driver? A petition is scheduled for debate on Monday 5 March 2018: Insurance should

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Found: sister was killed, along with her mother when the vehicle they were travelling in was hit by an HGV.  Her

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29/10/2019 - Driver and Vehicle Licensing Agency (DVLA)
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Found: road haulage after Brexit What UK goods vehicle operators need to do to carry out international

Latest Documents
Recent Speeches related to Insurance should be on the car itself instead of the individuals who drive it

1. Car Insurance
05/03/2018 - Westminster Hall

1: considered e-petition 207616 relating to changes to car insurance.It is a great pleasure to serve under - Speech Link

2. Automated and Electric Vehicles Bill
09/05/2018 - Lords Chamber

1: understand the Government’s desire to deal with insurance as the low-hanging fruit of automated vehicles - Speech Link

3. Car Insurance: Young People
20/03/2017 - Westminster Hall

1: considered e-petition 166847 relating to the cost of car insurance for young people.As always, it is a pleasure - Speech Link
2: is that the cost of insurance is based on risk. The reason the cost of insurance for young people is - Speech Link
3: and motorway driving are not obligatory. Many countries, including New Zealand, Australia and France, - Speech Link

4. Automated and Electric Vehicles Bill
20/02/2018 - Lords Chamber

1: When I refer to a self-driving taxi, I mean a vehicle that is available for the user to call up when - Speech Link

5. Automated and Electric Vehicles Bill
09/05/2018 - Lords Chamber

1: the automated vehicle (or owner or registered keeper retrofitting or modifying the vehicle to become an - Speech Link
2: We are, after all, talking about an automated vehicle—the software should be updated automatically.I - Speech Link
3: Amendments 25 and 28 in my name. The first concerns insurance, which is what the Bill is supposed to be about - Speech Link

Latest Speeches
Recent Questions related to Insurance should be on the car itself instead of the individuals who drive it
Latest Questions

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Scenario: 3 friends go on a night out in the same car, they all have driving licenses, but only one of them is insured on the car. 2 of them are under the influence of alcohol and incapable of driving, including the car owner. If the car was insured on itself, the sober friend could drive it legally. However, because each individual is insured on the car, no one would be able to drive it as it would be illegal.


Petition Signatures over time

Government Response

The Government has no plans to change the motor insurance system to require vehicles themselves, rather than the use of a vehicle, to be insured.


There are a variety of approaches to motor insurance taken around the world, and the UK Government is not alone in requiring the use of a vehicle to be insured.

The current motor insurance system of insuring individual drivers, rather than cars, does not prevent named drivers from being added to an insurance policy for shorter or longer periods of time. This allows for friends or relatives who share a car to be included on one insurance policy.

The price of insurance depends on a range of factors, including many which are specific to the person driving; for example, driving history (whether the driver has had previous claims or unspent convictions for drink driving, for example), the use they make of the vehicle (for example, for commuting or business use), and their years of driving experience.

If insurers had to cover the vehicle itself and were not able to take driver-specific factors into account in their pricing, then the cost of insurance would likely rise for those with a good driving record and history of driving safely.

Department for Transport


Constituency Data

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