Dr Kieran Mullan

As the Minister explained, the Government have conducted their statutory review of the Whiplash Injury Regulations 2021 and determined that, while the existing tariff structure remains appropriate, an inflationary uplift is required. The proposed amendments will increase compensation for whiplash injuries occurring on or after 31 May 2025 by 14% to 15% across all tariff bands. That adjustment accounts for inflation since 2021 and provides an additional buffer for expected inflation until the next statutory review in 2027. The framework of the tariff remains unchanged, including the two-tier structure for “whiplash only” and “whiplash with minor psychological injury”, the requirement for a single medical report to support a claim, and the option for a discretionary uplift of up to 20% in exceptional cases. The review process highlighted challenges in determining prognosis due to inconsistencies in medical reporting. The Ministry of Justice has committed to working with the pre-action protocol medical report provider MedCo to improve the clarity and quality of medical reports, and we welcome that commitment. I understand that the Treasury is due to report later this month on whether insurers have, in fact, passed savings from these reforms on to policyholders—the primary, or certainly an important, aim of the policy’s original intention. It is important that motorists receive the anticipated lower premiums. We look forward to the findings of the review, and it would be helpful if the Minister confirmed that it is on track. Furthermore, while the statutory instrument is limited to amending tariff amounts, it forms part of a wider framework of reforms to be reviewed. A post-implementation review of the whiplash reform programme is due to take place in 2025-26, and we welcome the opportunity to assess its effectiveness in delivering fair compensation and maintaining access to justice. We support the regulations and recognise their role in ensuring that claimants continue to receive fair and proportionate compensation. We look forward to the continued monitoring of the system to ensure that it remains balanced and effective. Given the extensive and thorough review of the regulations provided by the Minister, I do not seek to comment any further.