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Consumer Council welcomes Competition and Markets Authority (CMA) proposed changes to private motor insurance (PMI)

Elizabeth House, 116 Holywood Road, Belfast, BT4 1NY

Tel: 028 9067 4807/ 028 9067 4816 Fax: 028 9065 7701


12 June 2014

Consumer Council welcomes Competition and Markets Authority (CMA) proposed changes to private motor insurance (PMI)

The Consumer Council welcomes today’s proposals from the Competition and Markets Authority (CMA) regarding the changes it proposes to make in the private motor insurance (PMI) market to increase competition and reduce the cost of premiums for motorists.

Proposed changes include:

  • A limit on how much can be charged to the insurer of the at-fault driver for providing a replacement vehicle to the other driver;
  • better information for consumers about their rights following an accident;
  • steps to make price comparison websites (PCWs) work better for consumers;
  • better information on the costs and benefits of no-claims bonus protection; and
  • closer scrutiny on how insurers sell add-on products to consumers.

Aodhan O’Donnell, Interim Chief Executive of the Consumer Council commented “The Consumer Council hopes the proposed changes will lead to reduced premiums overall, especially given that Northern Ireland is the second most expensive region in the UK for car insurance premiums. In addition we also hope it would make it easier for consumers to compare insurance products and increase transparency on what they are, or are not covered for.”

Aodhan concluded “We are however awaiting information from the CMA in response to our queries regarding some elements of the car insurance market that are specific to NI, including concerns over quality of repair parts and data on how the broker market in NI might affect competition.

“We look forward to the final determination in September 2014.”

For anyone who wants to know more about car insurance can download the Consumer Council’s ‘Driving down the cost of car insurance’ guide at www.consumercouncil.org.uk or call 0800 121 6022 for a free copy.


  1. Consumer Council media contact:  Siobhan Rafferty telephone 028 9067 4816 / and email
  2. The Consumer Council is an independent consumer organisation, working to bring about change to benefit Northern Ireland’s consumers. The Council campaigns for high standards of service and protection and a fair deal for all. It also carries out research, gives advice and publishes reports and other publications. It deals with individual complaints about buses, trains, planes, ferries, natural gas, electricity, coal and water.
  3. 3.     For more information, visit www.consumercouncil.org.uk or Facebook  or Twitter