An insurer will make a decision about the terms on which they will offer cover following an assessment of the risks posed by an individual. This is usually informed by the insurer’s claims experience and other industry-wide statistics, including post code data. The Government does not intend to intervene in these commercial decisions by insurers as this could damage competition in the market. The respective capabilities of insurers to assess risk is a key element on which they compete. This competition is important and should lead to better products and lower prices for consumers.