The Association of Consumer Support Organisations wants the government to review its personal injury legal reforms as the Official Injury Claim portal approaches its fourth anniversary. It also wants the Financial Conduct Authority to report on progress made my insurers on promised premium refunds.

Matthew Maxwell Scott, executive director of ACSO, said: ““The OIC has certainly overseen a dramatic fall in claims, by around 50 per cent since 2018, despite increasing vehicle numbers and consistent annual mileage. People are still getting injured, but for a variety of reasons are choosing not to claim. We need to know why.”

He added: “Motor insurers agreed to compensate consumers in return for them losing some of their rights of redress following an accident and the FCA has until the end of March to say whether that has happened, and to what extent.”

Given the compulsory nature of motor insurance, Maxwell Scott said it was necessary to gold insurers to exacting standards of transparency and value for money.