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4 Conclusion

61. The number of fraudulent and exaggerated whiplash claims has contributed to the increase in motor insurance premiums in recent years. However, we acknowledge genuine claims which relate to real injuries that can affect people for months or years. In the debate about how to reduce fraud and exaggeration, genuine claimants should not be demonised simply because their condition cannot be picked up on a scan.

62. We welcome the Government's commitment to reducing motor insurance premiums, but are surprised that ministers seem only to be listening to the insurers' perspective. This is particularly disappointing in the light of the Government's own observation that the insurers have "encourage[d] excessive and unnecessary claims within their own business models".[118]