Driving insurance — ‘No claims discounts’ refusals

30.6.2015

Question for written answer P-010561-15
to the Commission
Rule 130
Lucy Anderson (S&D)

Many insurance companies refuse to give personal tariff reductions, or ‘no-claims discounts’, for motor insurance premiums if a consumer’s claims history was built up in a Member State other than that in which they are currently resident. Where an insurance company cannot demonstrate that such a refusal is based on objective and non-discriminatory actuarial grounds, their actions would seem to constitute a breach of fundamental EU principles of free movement, fair competition and internal market compliance.

Could the Commission explain what action it is taking to redress this situation, either in relation to infringements of the Treaties, existing EU legislation such as Directive 2009/103/EC or further proposed legislation in the insurance field?