Westminster’s cost of living crisis disproportionately affects those on low incomes, young people, and people living in rural areas with limited travel options. One example is the soaring cost of car insurance, which is inexplicably higher in Scotland than in most other parts of the UK. A 22-year-old with five years’ driving experience might expect their premiums to go down, yet they pay on average £667 more than they did when they passed their test at the age of 17. Why are the UK Government doing absolutely nothing to hold insurance companies to account?