The data required to understand, fund and fix the UK HGV driver pipeline either does not
exist or is held by insurance companies who refuse to disclose it. That has now been
confirmed in writing by the institutions responsible.

The two-year insurance rule has blocked newly qualified HGV drivers from employment for a decade. Named in Parliament nine times. Recommended for reform. Excluded from every crisis measure since 2021. Every insurer holds the claims data to prove it. None has been required to show it.

The definitive analysis of why the two-year insurance rule continues to block newly qualified HGV drivers despite a decade of parliamentary evidence and 33 government crisis measures that left it entirely untouched.