Insurers must treat customers fairly and firms are required to do so under the Financial Conduct Authority’s rules.
Insurers make decisions about the terms on which they will offer cover following an assessment of the relevant risks. The Government does not intend to intervene in these commercial decisions by insurers as this could damage competition in the market. This competition is important and leads to better products and lower prices for consumers.
It is worth noting that different insurers may take a different view and customers are encouraged to shop around for the most suitable cover at the best price.