Consultation Papers

Below is a full list of recent consultations that the RMI have submitted responses to. Alternatively, you can click on the links below to search for consultation responses relevant to a specific policy area, or search by date using the navigation to the right of the screen.

REMOVAL OF MOTOR INSURANCE CERTIFICATES

The Department for Transport released the above consultation in November 2012. The NFDA has subsequently submitted a response. The consultation ‘seeks views on the principle of removing the need for insurers to issue a motor insurance certificate when an insurance policy is taken out’. The NFDA has endorsed the policy objective and agrees with the abolition of insurance certificates. The NFDA believes that by creating an online system this will simplify and quicken the verification process but has stated that alternative methods to an online system should be available when necessary.

Click here to download the NFDA response

CIVIL ENFORCEMENT REMEDIES - CONSULTATION ON EXTENDING THE RANGE OF REMEDIES AVAILABLE TO PUBLIC ENFORCERS OF CONSUMER LAW - BIS

The Civil Enforcement Remedies consultation is the third instalment from BIS in their reform package of consumer rights. This specific paper delineates whether ‘implementation of the Regulatory Enforcement and Sanctions Act 2008 or introducing new remedies under Part 8 of the Enterprise Act 2002 would be most appropriate’. The aim of the proposals is to enable improve redress for consumers and ensure business understanding of processes and compliance. The RMI has placed heavy emphasis on the need to ensure a higher burden of proof if the remedial process is to change from criminal level to civil. Therefore, the RMI has submitted that it does not support any reform package that moves the evidential burden of proof from the current standing of ‘beyond reasonable doubt’. Furthermore, the RMI has stated the need for enforcers to be Hampton-compliant, ensuring enforcers call for ‘proportionate and meaningful’ sanctions. Throughout the response, the RMI has submitted that elements of proportionality, flexibility and discretion must be available to businesses when they are negotiating the best method of redress with enforcers for consumers who have suffered a breach and finally that judicial intervention must be curtailed and quantified when unnecessary.

Click here  to download the RMI response

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