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What are the Whiplash Reforms?

5 min

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Find out more about how legislation has steered whiplash claims

On 31 May 2022, the personal injury claim process changed for people involved in Road Traffic Accidents (RTA) and suffer a low value whiplash injury.

A little bit of background

In 2018, the government introduced the Civil Liability Act which is a package of measures to reform the way that low value personal injury claims, arising from Road Traffic accidents, are dealt with.

This legislation was introduced to respond to the increased costs of motor premiums, attributed to whiplash claims, with the intention of reducing both injury claims frequency, and cost.

This package of reforms is more commonly known as the Whiplash Reforms and aims to reduce the cost of motor insurance for customers. It came into effect for accidents on, or after, 31 May 2021.

What are the whiplash reforms? 

  • Tariff for PSLA of Whiplash and Whiplash with MPI for injuries up to two years
  • New MIB Official Injury Claim Portal (OIC)
  • Ban on Pre-Medical offers for Whiplash
  • New RTA Small Claims Track Pre-Action Protocol and CPR 27B
  • SCT has increased to £5,000 for all claims excluding vulnerable road users:


  • pedestrians
  • cyclists
  • motorcyclists
  • pillion/sidecar passengers
  • mobility scooter riders
  • horse riders


In addition, infants* and protected parties, personal representatives, foreign registered vehicles, bankrupts exempt.

* Caught by the tariff but not the small claims track increase

The New Whiplash Tariffs



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