Stop Insurers Increasing Premiums for Verified Non-Fault Accidents

Background

Require insurers to exclude verified non-fault accidents from premium calculations. -Limit the retention period for non-fault claims in the Claims and Underwriting Exchange database to a maximum of 2 years. -Ensure transparency so drivers can prove non-fault claims and avoid unjust premium hikes.

Additional details

UK insurers often raise premiums after non-fault accidents, including collisions with uninsured drivers. Even with proof of innocence, drivers face higher costs. This is unfair: - Drivers had no control, -They already bear repair and stress costs, and - Careful driving is penalised while risky behaviour is not. Verified non-fault claims should not affect premiums.