Have your say on government e-petitions

Advocate for a Savings-Based Auto Insurance Model for Fairer Premiums

Submitted on Wednesday 20th March 2024

Rejected on Thursday 4th April 2024

Current status: Rejected

Rejection code: no-action (see below for details)

Petition Action

Advocate for a Savings-Based Auto Insurance Model for Fairer Premiums

Petition Details

Urge the government to mandate insurance companies to adopt a savings-based system, where premiums fund personal claims accounts, ensuring fairness and responsibility

Additional Information

Current UK car insurance doesn’t reflect drivers’ real risk, leading to unfairly high premiums, especially for safe, experienced drivers. A savings-based model would mean premiums create a personal fund for each driver’s claims, making insurance costs fairer and directly linked to individual driving records, encouraging safer driving and giving drivers more control over their insurance expenses.


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This petition was rejected

The Government e-Petitions Team gave the following reason:

Petitions need to call on the Government or Parliament to take a specific action.

We understand that you want to see changes to the way car insurance operates, but we're not sure exactly what system you want the Government to require insurers to introduce. Your petition refers to a "savings-based model", but it's not clear what you mean by this, or how this would lead to fairer premiums.

You could start a new petition explaining clearly what you would like the Government or Parliament to do.

Have your say on this petition!

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