Surge in drivers using ‘last resort’ to get insurance

Almost 2,000 people who were repeatedly refused car insurance last year had to opt for a “declined cases agreement” just to get a quote.

There has been a 15-fold increase in the numbers seeking this last resort option over the last six years which has led to claims that the motor insurance industry is “dysfunctional” and is becoming more selective about those it is willing to insure.

Under the declined cases agreement, the insurance market undertakes not to refuse to provide third-party motor insurance to an individual who has approached at least three insurers. There has to be an agreement as it is mandatory for motorists to have at least third-party insurance here.