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Stop Insurers Increasing Premiums for Verified Non-Fault Accidents

Submitted on Thursday 14th August 2025

Rejected on Friday 29th August 2025

Current status: Rejected

Rejection code: duplicate (see below for details)

Petition Action

Stop Insurers Increasing Premiums for Verified Non-Fault Accidents

Petition Details

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 Information

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.


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This petition was rejected

The Government e-Petitions Team gave the following reason:

There's already a petition about this issue. We cannot accept a new petition when we already have one about a very similar issue.

You are more likely to get action on this issue if you sign and share a single petition.

You may wish to sign this petition which calls for a similar action: petition.parliament.uk/petitions/734784

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