Question to the Department for Transport:

To ask the Secretary of State for Transport, with reference to pages 30 and 31 of the Government's report entitled Motor Insurance Taskforce: final report, published on 10 December 2025, whether the Department has concluded its consideration of penalties for the offence of driving a vehicle without motor insurance; and whether she has plans to increase the fixed penalty fine for this offence.

The Government does not intend to commission a specific review into the motorcycle insurance market, as motor insurers are responsible for setting the terms and conditions of the policies that they offer. It is for them to decide the level of risk that they take in issuing any policy to a given applicant. Motor insurers use a wide range of criteria to assess the potential risk a driver or rider poses including the age of the applicant, the type of vehicle being insured, the postal area where the applicant lives and their driving or riding experience. The setting of premiums is a commercial decision for individual insurers based on their underwriting experience. The government does not seek to control the motor insurance market.

The Motor Insurance Taskforce focused on identifying actions that address the factors that contribute to the cost of claims and consequently, the cost of insurance premiums paid by drivers. Given the number of factors involved in pricing motor insurance, the government has not sought to estimate figures for individual consumer savings. However, the government is confident that the taskforce’s collective actions will help to reduce claims costs and, by extension, premiums.

The Government’s Road Safety Strategy was published on 7 January. Alongside the strategy, five consultations have been launched, one of which proposes reforms to motoring offences, including introducing tougher penalties for driving without insurance: https://www.gov.uk/government/consultations/proposed-changes-to-penalties-for-motoring-offences