Question to the Department for Transport:

To ask the Secretary of State for Transport, if she will take legislative steps to ensure that car insurance renewal quotes are equitable for existing and new customers.

The Government takes uninsured driving seriously. This is achieved through Continuous Insurance Enforcement (CIE), a scheme where the Motor Insurers’ Bureau and Driver and Vehicle Licensing Agency collaborate to identify uninsured drivers and police enforcement on the road.

All drivers must be insured to drive the vehicle they are using and for the purpose it is used for. As with all drivers, they are subject to roadside enforcement by the police.

Motor insurers are responsible for setting the terms and conditions of the policies that they offer, and it is for them to decide the level of risk that they take in issuing any policy to a given applicant. They use a range of criteria to assess the potential risk a driver poses, including the age of the applicant, the type of vehicle being insured, the postal area where the applicant lives and the driving experience and record of the applicant. The setting of premiums is a commercial decision for individual insurers based on their underwriting experience and the Government does not intervene or seek to control the market.

The Equality Act 2010 provides general protection against age discrimination for people of all ages. However, the Act also includes an exemption for those conducting an assessment of risk for the purposes of providing a financial service to another person. This means that motor insurance companies are still able to take age into account when considering the premium to be paid or indeed whether to insure people of any particular age group.