Home / Sources / Select Committees / Recommendation 4
Select committee: Financial Services Regulation Committee

Conclusion 4

2nd report - Home and travel insurance regulation: more for the FCA to do Published 23 Oct 2026 Paragraph 37

Financial Services Regulation Committee Regulation of the consumer insurance market All items in this report Report on parliament.uk ↗ Inquiry on parliament.uk ↗

Conclusion (the committee's words)
Given the challenges of consumer understanding, we are concerned about the burden of proof being on the consumer to show that a breach of a term of the insurance contract did not relate to the loss suffered.

From: Financial Services Regulation Committee, 2nd report - Home and travel insurance regulation: more for the FCA to do, paragraph 37, 23 October 2026

Government response

Government response awaited: deadline 23 December 2026.