Question to the Department for Transport:

To ask the Secretary of State for Transport, whether she is taking to protect motorists from facing increased motor insurance premiums following a non-fault road traffic accident.

Motor insurers are responsible for setting the terms and conditions of the policies that they offer and decide the level of risk that they take in issuing any policy to a given applicant. Drivers need to declare incidents that they are involved in, regardless of who or what was at fault.

However, we know that the majority of motorists are responsible and law abiding, but not unreasonably, they and other road users want to see law breaking dealt with, to make all our communities safer.

As part of the Road Safety Strategy, we have published a consultation on reforms to motoring offences, including lowering the drink drive limit in England and Wales and introducing tougher penalties for driving without insurance or without a licence.