CAR INSURANCE POSTCODE DISCRIMINATION

That this House notes that car insurance rates can differ by more than 10 times between people insuring from different postcodes; further notes that these extraordinary disparities in insurance charges can take place even between neighbouring postcodes; further notes that these disparities are discriminatory against people on low incomes and particularly people from particular ethnic minorities who are concentrated in particular postcodes; calls on the Government to outlaw postcode discrimination and oblige insurers to insure on the basis of the individual, not the area, as a matter of urgency; and further calls on the Government to legislate if necessary to ensure insurers are provided with information about individuals applying for car insurance that is relevant to make an insurance assessment but in line with respecting the individual's right to privacy.