The current Ministry of Justice and Small Claim and Whiplash consultations of late indicate motorists could save an average of £40 per year should the reforms take place.

It now appears, however, that actually no saving will be passed to the consumer at all, in fact a step hike in insurance premiums by up to £1,000 in particular for the young motorist is possible.

Although nothing is set in stone yet, it is clear even with the Whiplash and Small Claim reforms there may still be no genuine saving to the consumer once again raising further questions as to the need of the reforms in the first place.