Make car insurance vehicle-based rather than driver-based.
Reform the UK car insurance system so that insurance follows the car, not the driver. This would make cover simpler, fairer, and more affordable, especially for young and responsible drivers who currently face extremely high premiums despite safe driving habits.
Signatures
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signatures
Government response threshold (10,000) · 6/10,000
Debate threshold (100,000) · 6/100,000
- 09 DEC 2025Petition rejectedduplicate
You may wish to sign this petition which calls for similar action: https://petition.parliament.uk/petitions/740323
- 08 NOV 2025Petition created
Background
UK car insurance unfairly targets young and new drivers with extremely high premiums, even when they drive safe vehicles and have clean records. In many European countries, insurance follows the car instead of the driver, making it simpler and more affordable. The UK should review this model to create a fairer system for all motorists.