Analysis: FCA takes the ‘nuclear option’ on dual pricing


In September, the Financial Conduct Authority published its long-awaited final report on pricing practices in the home and motor insurance markets, putting forward a package of measures that its interim CEO described as “probably the most radical shake-up of the general insurance industry in years”.

The proposals, which the regulator is now consulting on, mark the climax of an investigation into dual pricing that started in 2018.

The FCA’s headline proposal is a ban on ‘price walking’, meaning

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