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Utter tosh.
And this Lord is a QC?
I've never in over 30 years of driving had my annual motor renewal premium lowered. It has taken some comparison checks (to find I can get my premium lower elsewhere) and then a call to my existing insurer which has prompted then a reduction in the premium to reflect the risk that I'll just pass on my business to another insurer.
There is ZERO chance of any insurer reducing premiums to reflect either a change in the discount rate or to reflect changes proposed to whiplash claims or the small claims track limit increase. It hasn't happened before and won't happen in the future.

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