Who is affected?
This issue impacts millions of drivers across the UK who face inflated car insurance premiums due to their credit scores. Despite having spotless driving records, individuals with lower credit scores are financially penalised. Those already dealing with financial hardship—such as job loss, health issues, or other life events—bear an additional burden, making it harder to cover everyday expenses.

 
What is at stake?
If this practice continues, drivers with lower credit scores will keep facing unjust premiums, regardless of how safely they drive. Financial struggles unrelated to driving will push insurance costs higher, deepening inequality. However, by abolishing the use of credit scores in pricing, premiums can be tied to real risk factors like driving behaviour, promoting fairness and transparency. This change would make insurance more affordable and accessible to everyone, not just those with strong credit.

 
Why is now the time to act?
The financial strain on UK households has never been greater, with the cost of living on the rise. Credit-based pricing practices make insurance even less affordable for those struggling the most. Other countries have already recognised this issue and implemented regulations to end it. Now is the time for the UK to act. We must push the FCA and UK Government to ensure that car insurance premiums are based on driving ability, not financial history.

 
Why This Issue Matters
Car insurance is a legal requirement in the UK, but linking premiums to credit scores unfairly targets vulnerable people. Those who’ve experienced financial difficulties—such as job loss or medical issues—are hit with higher premiums, even if they are safe drivers. This practice makes insurance unaffordable for many, especially at a time of rising living costs.

 
Equality Act 2010
Insurers claim that credit scores predict risk, but this practice may violate the spirit of the Equality Act 2010. By disproportionately affecting low-income individuals, it worsens inequality. The FCA needs to regulate this practice to ensure premiums are based on driving behaviour, not financial circumstances.

 
FCA Regulations and Transparency Issues
The FCA is tasked with ensuring fair treatment for consumers, but the use of credit scores lacks transparency. Many drivers don't realise their credit history affects their premiums, and insurers rarely explain how this happens. I’m calling on the FCA to investigate this practice and demand greater transparency.

 
Call to Action
Sign the petition and share your story. Together, we can push for fairer car insurance that reflects driving behaviour, not financial history. Let’s make car insurance more affordable and accessible for everyone.