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769925

registered interest
date	12/10/2017
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Transport, what assessment he has made of the options under consideration in the European Commission's consultation on the REFIT review of Directive 2009/103/EC on motor insurance; and what representations he is making to the (a) European Commission and (b) his EU counterparts on that matter.
tabling member constituency	Birmingham, Northfield
tabling member printed	Richard Burden
uin	107500
answer	answer is ministerial correction date of answer 20/10/2017 answer text <p>The Department’s priority for the REFIT review is the correction of the scope of the Directive following the Vnuk judgment, such that it only applies to motor vehicles used in traffic. We collaborated with like-minded Member States to write a letter to the Commissioner putting forward this view.</p><p> </p><p>The Department continue to encourage UK stakeholders to talk with their counterparts in Europe.</p><p> </p><p>The Department is otherwise broadly content with how the Directive works but have made minor suggestions for improvement.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman question first answered 20/10/2017 12:47:43 answering member 3991 label Biography information for Jesse Norman
tabling member	301 label Biography information for Richard Burden

751445

registered interest
date	12/07/2017
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Transport, what steps his Department is taking to ensure that UK citizens travelling in the EU will be able to benefit from the Green Card system as the UK leaves the EU.
tabling member constituency	North Warwickshire
tabling member printed	Craig Tracey
uin	4610
answer	answer is ministerial correction date of answer 20/07/2017 answer text <p>The United Kingdom's membership of the Green Card system predates our membership of the European Union and is not at risk from withdrawal. Maintaining our current vehicular access to the EU without Green Card checks after we leave is one of a number of issues that will need to be addressed through negotiations. The Government made clear in its White Paper on EU withdrawal that our focus in negotiations will be on ensuring new barriers do not arise from our exit.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman question first answered 20/07/2017 13:52:59 answering member 3991 label Biography information for Jesse Norman
tabling member	4509 label Biography information for Craig Tracey

750366

registered interest
date	10/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will take steps to ensure that administration fees charged by car insurance companies for changes to policies are proportionate to the cost of the policy change.
tabling member constituency	North Swindon
tabling member printed	Justin Tomlinson
uin	3934
answer	answer is ministerial correction date of answer 14/07/2017 answer text <p>The Government is determined that insurers should treat customers fairly and firms are required to do so under the Financial Conduct Authority (FCA) rules. These include, amongst other things, requirements to treat customers fairly, and clearly disclose administration fees before they are payable. FCA rules also prevent insurers from profiting from cancellation fees. Specifically, insurers must not use cancellation fees to penalise customers and any fees charged must have been reasonably incurred by the firm.</p><p> </p><p> </p><p>The Government does not tend to intervene in the level of charges administered by insurance firms as this is ultimately a matter of their commercial judgment. However, if an individual feels that they have not been treated fairly and would like to complain about a particular type of insurance practice, they can contact the FCA through their consumer support service.</p><p> </p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 14/07/2017 12:14:58 answering member 4095 label Biography information for Steve Barclay
tabling member	4105 label Biography information for Justin Tomlinson

732573

registered interest
date	26/06/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if the Government will reduce high costs of motor insurance for people living in certain postcodes.
tabling member constituency	Birmingham, Hall Green
tabling member printed	Mr Roger Godsiff
uin	1199
answer	answer is ministerial correction date of answer 04/07/2017 answer text <p>An insurer will make a decision about the terms on which they will offer cover following an assessment of the risks posed by an individual. This is usually informed by the insurer’s claims experience and other industry-wide statistics, including post code data.</p><p> </p><p> </p><p>The Government does not intend to intervene in these commercial decisions by insurers as this could damage competition in the market. The respective capabilities of insurers to assess risk is a key element on which they compete. This competition is important and should lead to better products and lower prices for consumers.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 04/07/2017 15:17:41 answering member 4095 label Biography information for Steve Barclay
tabling member	304 label Biography information for Mr Roger Godsiff

731483

registered interest
date	21/06/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, with reference to the Answer of 27 April 2017 to Question 71682, what plans the Government has to review its policy on insurance premiums.
tabling member constituency	Barnsley Central
tabling member printed	Dan Jarvis
uin	166
answer	answer is ministerial correction date of answer 26/06/2017 answer text <p>As a rule, insurers use their claims experience and other industry-wide statistics to assess the risks posed by an individual and set the terms and price at which they will offer insurance cover. Insurers make an assessment of risk based on the likelihood of the individual making a claim and the potential cost of that claim.</p><p> </p><p>However, the Government remains concerned about the impact on motor insurance premiums from the continuing high number and cost of whiplash claims. This is why we committed in the Queen’s Speech to take firm action to reform the whiplash claims process and reduce the financial burden on consumers.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 26/06/2017 14:51:53 answering member 4095 label Biography information for Steve Barclay
tabling member	4243 label Biography information for Dan Jarvis

723939

registered interest
date	24/04/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what plans he has to regulate insurance premiums to protect the no-claims bonus for people who make a claim for no fault of their own.
tabling member constituency	Barnsley Central
tabling member printed	Dan Jarvis
uin	71682
answer	answer is ministerial correction date of answer 27/04/2017 answer text <p>The Government is determined that insurers should treat customers fairly and firms are required to do so under the current regulator, the Financial Conduct Authority.</p><p> </p><p>The Government keeps all policy under review and it will be for any new Government to set the direction of future policy on insurance premiums.</p> answering member constituency Brighton, Kemptown answering member printed Simon Kirby question first answered 27/04/2017 08:04:42 answering member 3929 label Biography information for Simon Kirby
tabling member	4243 label Biography information for Dan Jarvis

712490

registered interest
date	20/03/2017
answering body	Ministry of Justice
answering dept id	54
answering dept short name	Justice
answering dept sort name	Justice
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Justice, what assessment her Department has made of the potential effect of changes to the discount rate for motor insurance on the take-up of such insurance.
tabling member constituency	Bradford East
tabling member printed	Imran Hussain
uin	68438
answer	answer is ministerial correction date of answer 23/03/2017 answer text <p>On 27 February the Lord Chancellor reduced the personal injury discount rate set under section 1 of the Damages Act 1996 to minus 0.75%. The new rate came into effect on 20 March.</p><p> </p><p>The government acknowledges that the change in the rate will have significant implications across the public and private sectors and has committed to review the legal framework for the setting of the rate to ensure it remains fit for purpose in the future. A consultation paper will be published before Easter.</p><p> </p><p>Following the consultation, the government will consider whether there is a better or fairer framework for claimants and defendants, and bring forward any necessary legislation at an early stage.</p> answering member constituency North East Hertfordshire answering member printed Sir Oliver Heald grouped question UIN 68439 question first answered 23/03/2017 16:34:55 answering member 69 label Biography information for Sir Oliver Heald
tabling member	4394 label Biography information for Imran Hussain

712491

registered interest
date	20/03/2017
answering body	Ministry of Justice
answering dept id	54
answering dept short name	Justice
answering dept sort name	Justice
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Justice, what assessment her Department has made of the potential effect of changes to the discount rate for motor insurance on the average cost of such insurance.
tabling member constituency	Bradford East
tabling member printed	Imran Hussain
uin	68439
answer	answer is ministerial correction date of answer 23/03/2017 answer text <p>On 27 February the Lord Chancellor reduced the personal injury discount rate set under section 1 of the Damages Act 1996 to minus 0.75%. The new rate came into effect on 20 March.</p><p> </p><p>The government acknowledges that the change in the rate will have significant implications across the public and private sectors and has committed to review the legal framework for the setting of the rate to ensure it remains fit for purpose in the future. A consultation paper will be published before Easter.</p><p> </p><p>Following the consultation, the government will consider whether there is a better or fairer framework for claimants and defendants, and bring forward any necessary legislation at an early stage.</p> answering member constituency North East Hertfordshire answering member printed Sir Oliver Heald grouped question UIN 68438 question first answered 23/03/2017 16:34:56 answering member 69 label Biography information for Sir Oliver Heald
tabling member	4394 label Biography information for Imran Hussain

705711

registered interest
date	27/02/2017
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Transport, if he will take steps to (a) reduce variation in car insurance premiums between different parts of the UK and (b) ensure that people are not being charged a higher premium for living in a poorer area.
tabling member constituency	Birmingham, Hall Green
tabling member printed	Mr Roger Godsiff
uin	65813
answer	answer is ministerial correction date of answer 07/03/2017 answer text <p>The pricing of insurance products is a commercial decision for individual insurers based on their assessment of the level of risk posed by a given applicant and the Government does not seek to intervene. The Department for Transport has held a number of meetings with the motor insurance industry, for example, to discuss technological measures which have the potential to bear down on the cost of insurance.</p><p> </p><p>The Government has brought forward measures to reduce the excessive costs arising from unnecessary whiplash claims, and expects average savings of £40 to £50 per motor insurance policy. The motor insurance market is intensively competitive and the Government therefore expects that the insurance industry will pass on savings to consumers.</p> answering member constituency Harrogate and Knaresborough answering member printed Andrew Jones question first answered 07/03/2017 13:48:03 answering member 3996 label Biography information for Andrew Jones
tabling member	304 label Biography information for Mr Roger Godsiff

683088

registered interest
date	01/02/2017
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Transport, what representations has he received from the motorsport industry on the scope of the Motor Insurance Directive (2009/13/EC) since the European Court of Justice ruling of September 2014, Damijan Vnuk v Zavarovalnica Triglav C-162/13, on insurance for motorised vehicles used off-road.
tabling member constituency	East Yorkshire
tabling member printed	Sir Greg Knight
uin	62816
answer	answer is ministerial correction date of answer 08/02/2017 answer text <p>The Department is currently holding a public consultation on the implications of the Vnuk judgment. The Consultation impact assessment assesses the likely costs and benefits arising from two policy options for extending the scope of compulsory motor insurance.</p><p> </p><p>The Government engaged extensively with stakeholders, including those from the motorsport industry, during the preparation of the consultation and impact assessment. I met with a range of representatives from the motorsport industry last month to listen to their concerns about the Vnuk judgment.</p><p>The consultation seeks stakeholders’ view about the policy options as well as requesting further information about the potential cost and benefits, including the impact on premiums. This will be used to assess the overall economic impacts of the policy options.</p><p> </p><p>We oppose any measures which impose an unreasonable burden on the public. We will use the consultation responses to get the best result for the country.</p><p> </p> answering member constituency Harrogate and Knaresborough answering member printed Andrew Jones grouped question UIN 62817 62818 question first answered 08/02/2017 14:31:31 answering member 3996 label Biography information for Andrew Jones
tabling member	1200 label Biography information for Sir Greg Knight