Question to the HM Treasury:

To ask Mr Chancellor of the Exchequer, if he will request that regulators investigate whether disabled people have access to insurance that fairly reflects risk.

Paragraph 21(1) of Schedule 3, Part 5 of the Equality Act 2010 makes clear that it is not a contravention of the Act for insurers to make decisions on the grounds of disability provided they do so by reference to information from a reliable source that is relevant to the risk to be insured, and that it is a reasonable decision. The Financial Conduct Authority (FCA) expects firms to comply with relevant legislation, including the Equality Act, and can undertake its own enquiries to better understand what the firm is doing and whether any of its regulatory requirements have been breached.