Car Insurance - Car insurers and their creative charging - 21/04/2008


A recent change in FSA (Financial Services Authority) regulation has had a huge impact on the car insurance sector and the way insurers implement their charging criteria. Strangely the FSA has taken the questionable step of removing a regulating rule that would restrict companies from excessively charging customers. By doing this they have in effect left the arena open for just that, which incidentally is exactly what is happening.

Claiming that they have never had to investigate a company for excessive charging they felt the rule was therefore unnecessary. Is it a coincidence that within 3 months of the rule being removed insurers have made increases to their administrative charges?

It is an interesting step to take especially with the recent bank-charge conflict that cost millions in repayments due to excessive charging. With the lack of bank-fine facilitation fresh in the minds of customers and the consequences heavily publicised, this move by the FSA no doubt has future furore written in the stars.
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