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<p>Theft from commercial vehicles is not a risk required by law to be covered by motor
insurance although it can often be purchased as an added extra.</p><p>The setting
of premiums is a commercial decision for individual insurers and the Government does
not generally intervene or seek to control the market.</p><p>The independent financial
services regulators, the Financial Conduct Authority and the Prudential Regulation
Authority, regularly monitor the insurance market to make sure that it functions well.</p><p>
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