Motor Insurance: Proof of Identity
The question
To ask the Chancellor of the Exchequer, what discussions her Department has had with the Financial Conduct Authority on the adequacy of online identity verification checks used by motor insurance providers to prevent fraudulent policies being issued using stolen personal information.
Answered by Rachel Blake
The government takes the issue of fraud extremely seriously.
The FCA is an independent body responsible for regulating and supervising the financial services industry. The FCA expects firms to have robust systems and controls to detect and prevent financial crime. The FCA monitors firms and has robust powers to act against firms that fail to comply with its rules.
As set out in the final report of the cross-Government Motor Insurance Taskforce, published in December 2025, the Government, regulators and industry are taking a range of actions to combat fraud related to motor insurance. This includes the FCA’s work to identify and remove fraudulent advertising; the Insurance Fraud Bureau and Insurance Fraud Enforcement Department’s work to detect, investigate and deter motor insurance fraud; and collective efforts to deliver on the commitments in the Home Office’s Insurance Fraud Charter.
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