David Cameron to 'end compensation culture' for whiplash Britain is now the whiplash capital of Europe, with people increasingly claiming for injuries sustained in the most minor of motoring bumps. The Association of British Insurers claims this has added around £90 to the average bill. The Government is also looking at encouraging the use of "smartboxes" to monitor the behaviour of younger drivers. These could help insurance companies offer better deals to responsible drivers at a time when premiums have now shot up to £2,977 for a young male driver and £1,682 for a female driver. The action comes Jack Straw, the former Home Secretary, drew up a Private Member's Bill arguing for tougher standards before compensation for whiplash is paid. His Bill is due to be debated in the Commons later this month and comes as the Ministry of Justice carries out its own investigation into the impact personal injury claims are having on the cost of insurance. Experts believe whiplash, which is almost impossible to disprove, is being used by unscrupulous lawyers to milk insurance companies and law abiding motorists, with around 1,500 claims now submitted a day. However, Richard Lloyd, executive director at Which?, the consumer group, yesterday called on the Government not to penalised drivers legitimately claiming for whiplash industries. "The main target at the summit should be the claims farming companies and stamping out the problem at source," he said. A spokesman for Downing Street said the summit called by Mr Cameron would focus on how insurance is affecting the cost of living. Experts are warning of rising premiums for car, home and life insurance this year and next year. The AA's Shop Around Index found last month the average price charged for the three cheapest home insurance deals has increased by 11 per cent in a year. Alok Dhanda, a financial adviser from Dhanda Financial, said the rising cost of insurance is also to do with future legal changes. From next year, "unisex" pricing will come into force, which means companies will no longer be able to charge different rates for men and women. Experts believe this could raise the cost of life insurance by 20 per cent for women.