The UK’s competition regulator, the Competition and Markets Authority, found that the price comparison website ComparetheMarket.com breached competition law and imposed a fine of almost £18 million. The CMA found that ComparetheMarket used unlawful clauses in its contracts with certain home insurers, which had the effect of reducing competition between price comparison websites and between insurers listing on those websites.
Home Insurance Consumer Action, led by consumer rights advocate Kate Wellington, intends to bring a claim on behalf of all UK consumers who purchased home insurance policies, which it believes were affected by ComparetheMarket’s unlawful conduct.
ComparetheMarket is currently appealing against the CMA’s decision and Home Insurance Consumer Action does not intend to take further steps in the claim until the appeal has been concluded. If ComparetheMarket loses its appeal, Home Insurance Consumer Action will ask the court to certify the claim such that it can move to trial.
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Home Insurance Consumer Action’s claim is based on the allegation that ComparetheMarket’s conduct is likely to have resulted in higher prices for all consumers of home insurance, regardless of whether you bought your policy through a price comparison website, a broker or direct from your insurer. The same allegation applies to consumers who renewed an existing home insurance policy. So, if you bought or renewed a home insurance policy between 1 October 2015 and 1 June 2020, you might be eligible for compensation, no matter how you purchased your policy.
Home Insurance Consumer Action’s claim is an ‘opt-out’ claim, meaning that if you fall within the class that is represented by Home Insurance Consumer Action, you are automatically included in the claim unless you choose to opt-out. Further details of the claim and the class will be made available following the outcome of ComparetheMarket’s appeal.
This website sets out the details of Home Insurance Consumer Action's legal claim against the companies that own ComparetheMarket.com. It will be updated once ComparetheMarket’s appeal has been decided by the court with further details about the next steps in the claim.
As noted above, ComparetheMarket is appealing against the CMA’s findings. It is possible that, if the appeal is successful, Home Insurance Consumer Action’s claim will not proceed. The outcome of the appeal may not be known until the first half of 2022 and this website will be updated as the case progresses.
Kate is the director of Home Insurance Consumer Action, the company pursuing the claim against ComparetheMarket.
Kate is a longstanding champion of consumer rights and is committed to obtaining fair compensation for consumers who have been affected by ComparetheMarket’s conduct.
Kate is a qualified solicitor and is currently the CEO of the Costs Lawyer Standards Board. She is also an Independent Member of the Professional Standards Committee of the Chartered Insurance Institute, and an Independent Member of the Validation Committee of the Ombudsman Association. She previously served for a five year period as a Consumer Representative on the Civil Procedure Rule Committee, and from March 2013 until May 2019, she held various senior legal roles at the consumer group Which?. There, she led Which?’s policy work in respect of the opt‐out redress aspects of the Consumer Rights Act 2015, and was a member of the Government’s Implementation Group for the regime.
Kate Wellington has instructed the law firm Hausfeld & Co. LLP to represent her in the claim. Hausfeld is a leading international law firm specialising in competition law, with significant expertise in all aspects of collective redress and group claims.
The claim is being funded by Augusta Ventures, a litigation funder and member of the Association of Litigation Funders.
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