Question to the Department for Transport:

To ask the Secretary of State for Transport, whether her Department has made an assessment of the potential merits of bringing forward legislative proposals to prevent car insurance premiums from being increased for drivers involved in no-fault accidents.

The Department has not assessed the potential merits of legislation to prevent premiums rising for drivers involved in no fault accidents.

The setting and the adjustment of premiums following a claim are commercial decisions for individual insurers based on their underwriting experience and the Government does not generally intervene or seek to control the market.

Drivers need to declare incidents that they are involved in, regardless of who or what was at fault. As a result, their premiums may increase, as insurance works on the basis of whether a claim is paid out under the policy, regardless of fault. Where an insurer is able to recover its outlay from the other party, the increase might be readjusted in the future.