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Select Committee · Justice Committee

Whiplash Reform and the Official Injury Claim service

Status: Closed Opened: 10 Feb 2023 Closed: 30 May 2024 4 recommendations 5 conclusions 1 report

The whiplash reforms, which formed part of the Civil Liability Act 2018, are a package of measures designed to reduce the disproportionately high number and cost of whiplash claims in England and Wales. As part of the reforms the Ministry of Justice commissioned the Motor Insurance Bureau to develop an online portal; Official Injury Claim, …

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Reports

1 report
Title HC No. Published Items Response
Ninth Report - Whiplash reform and the Official Injury Clai… HC 1140 20 Sep 2023 9 Responded

Recommendations & Conclusions

3 items
5 Recommendation Ninth Report - Whiplash reform and the … Acknowledged

Require MoJ to outline urgent resolution steps for OIC professional user technological problems

We appreciate that it takes time for new systems to ‘bed in’ and we are encouraged that the MIB continues to request and collate feedback from both direct and professional users of the OIC and that it is committed to finding resolutions to problems as they Whiplash reform and the …

Government response. The government acknowledges the importance of resolving technological problems for professional users, stating that work will continue to improve the OIC process and that MIB will continue to engage with users and consider feedback. It claims the service is currently …
Ministry of Justice
6 Conclusion Ninth Report - Whiplash reform and the … Acknowledged

OIC portal faces growing backlog of unresolved cases and increasing settlement times

We are concerned by the growing number of unresolved cases in the OIC portal, which now stands at 349,000. For the minority of cases that have reached a settlement to date, the average time taken to do so is 251 days and is predicted to increase further as more complex …

Government response. The MoJ agrees more work is needed to understand claims flow through the OIC process and welcomes the committee's recommendation for analysis of lifecycle stages, noting work with MIB to develop additional data views to improve clarity on claim dormancy.
Ministry of Justice
8 Conclusion Ninth Report - Whiplash reform and the … Acknowledged

Whiplash reforms' impact on motor insurance costs remains difficult to determine

The Government estimated that the whiplash reform programme would remove more than £1.2 billion from the cost of providing motor insurance, and that these savings would be passed on to policyholders through lower premiums. However, whilst the total number of minor personal injury claims has reduced in the last two …

Government response. The MoJ agrees transparency is important for the statutory savings report and will work with HMT and the FCA, noting commercial sensitivity. They will continue to discuss a follow-up assessment but state it's too early to commit.
Ministry of Justice