The Chartered Insurance Institute (CII) has today (19 February 2026) issued its formal response to the Coroner’s Office of Coventry and Warwickshire following the Regulation 28 Report to Prevent Future Deaths concerning the tragic loss of Harry Purcell and Matilda (Tilly) Seccombe.
The CII expresses its deep condolences to both families and reaffirms its commitment to working with the insurance profession and wider stakeholders to help prevent similar tragedies in the future.
The coroner’s report highlighted two key areas of concern:
- Lack of consistent industry practice for identifying potential misuse of named driver arrangements – including situations where a young driver may be the main user of a vehicle despite being insured only as a named driver.
- Variation in the use and communication of telematics, with uncertainty about how clearly insurers explain the safety benefits of telematics products to young drivers and their families.
In response, the CII has committed to a coordinated programme of engagement and guidance development designed to improve consistency and raise industry standards. The CII will:
Write to all general insurance firms holding Corporate Chartered status to highlight the Regulation 28 findings.
Work with insurers, trade associations, road safety groups, driver training bodies, consumer groups and the Financial Conduct Authority to stimulate:
- higher prioritisation of young drivers as potentially vulnerable customers,
- greater consistency in the way insurers apply good practice when identifying ‘fronting’ (the misuse of named driver arrangements),
- greater consistency in the way insurers apply good practice in the promotion of telematics to young drivers, and
- greater consistency in the way insurers apply good practice to the use of telematics data.
Develop guidance that will identify:
- the most effective methods for influencing behavioural change in younger drivers, and
- the most effective operational processes for proactive risk management, including the way in which data can be collected, interpreted and acted upon.
Complete a four‑month consultation period to June 2026, with final guidance to be published by the end of 2026.
Background
Telematics policies have grown significantly, with around 1.66 million policies in 2022. However, uptake remains mixed, and research shows many young motorists and parents are not fully aware of the safety benefits or operational implications of telematics technology.
The CII believes that treating young drivers as a potentially vulnerable customer group - in line with the FCA’s expectations on vulnerability – could support more uniform good practice across the profession.