Concerns raised 19 Failure to assess new drivers’ understanding of passenger effects on braking, stability and handling View source Failure of licensing arrangements to address combined inexperience, peer presence and full vehicle loading View source Lack of a coordinated cross-sector approach to early indications of unsafe behaviour View source Unequal behavioural oversight of named drivers with similar early-stage risk profiles View source Failure of the standard driving test to require experience on challenging rural roads View source Inconsistent incorporation of safety considerations into young-driver insurance products View source Unclear detection and review of dangerous-driving content uploaded by minors View source Lack of safeguarding processes to identify repeated unsafe conduct among young users View source Uncertainty about wider algorithmic dissemination of dangerous-driving content View source Lack of a consistent method to identify concealed higher-than-expected use by young named drivers View source Insufficient understanding of peer influence, vehicle loading and rural road hazards View source Unclear insurer processes for collecting, interpreting and acting on telematics data View source Difficulty identifying true vehicle use by young named drivers View source Peer sharing of high-risk driving normalising and reinforcing risk-taking View source Failure of test requirements to assess passenger and load-related vehicle dynamics View source Unclear communication of telematics use and safety implications to young drivers and families View source Failure of qualification competencies to cover early independent-driving conditions View source Failure of licensing arrangements to provide structured progression aligned to early post-test risk View source Lack of a uniform approach to applying telematics View source See 16 more concerns
Responses linked to these concerns
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AI-generated summary
Harry Joseph Purcell and Matilda (Tilly) Grace Seccombe · Prevention of Future Deaths report
This summary was generated using AI from the published report. Please read the original report for the complete account.
Report summary
Harry Joseph Purcell and Matilda (Tilly) Grace Seccombe sustained fatal injuries in a single-vehicle collision on 21 April 2023, when a recently qualified 17-year-old driver travelled at excessive speed on a rural road and lost control. The report raised concerns about the combined risks of driver inexperience, peer passengers, vehicle loading and rural-road conditions, as well as issues concerning driver licensing, insurance oversight, unsafe-driving content shared on Snapchat and the lack of coordinated responses to unsafe behaviour.
Read the report on judiciary.uk
× Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Failure to assess new drivers’ understanding of passenger effects on braking, stability and handling
Wider context from the report “2. New drivers are not required to demonstrate an understanding of how passengers affect braking, stability and handling . The standard driving test does not require experience on rural roads with tight bends, undulations or variable grip. Given that collision risk is highest in the early post-test period, there is a concern as to whether current licensing arrangements adequately reflect the conditions young drivers commonly face or include a structured progression stage aligned to this risk.
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Failure of licensing arrangements to address combined inexperience, peer presence and full vehicle loading
Wider context from the report “1. The inquest noted that newly qualified drivers may carry multiple peer-age passengers immediately after passing their test. This case suggests that inexperience, peer presence and full vehicle loading can combine to elevate risk , and it is unclear how current licensing arrangements address these combined factors .
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Lack of a coordinated cross-sector approach to early indications of unsafe behaviour
Wider context from the report “10. There does not appear to be a coordinated approach linking driver training bodies, insurers, social media platforms and road-safety organisations in identifying or responding to early indications of unsafe behaviour among newly qualified drivers .
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Unequal behavioural oversight of named drivers with similar early-stage risk profiles
Wider context from the report “4. Evidence was heard about the practice of “fronting.” Although it did not apply in this case, it illustrates difficulties insurers may face in identifying the true pattern of vehicle use when young drivers are insured as named drivers. Named drivers may not be subject to telematics monitoring , which can result in differing levels of behavioural oversight for drivers with similar early-stage risk profiles .
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Failure of the standard driving test to require experience on challenging rural roads
Wider context from the report “2. New drivers are not required to demonstrate an understanding of how passengers affect braking, stability and handling. The standard driving test does not require experience on rural roads with tight bends, undulations or variable grip . Given that collision risk is highest in the early post-test period, there is a concern as to whether current licensing arrangements adequately reflect the conditions young drivers commonly face or include a structured progression stage aligned to this risk.
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Inconsistent incorporation of safety considerations into young-driver insurance products
Wider context from the report “5. While telematics devices can monitor driving behaviour, it is unclear how insurers collect, interpret or act upon such data, or how consistently safety considerations are incorporated into insurance products designed for young drivers .
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Unclear detection and review of dangerous-driving content uploaded by minors
Wider context from the report “7. The inquest heard that unsafe driving behaviour was recorded and shared privately on Snapchat prior to the collision. It received no information on whether Snapchat is able to detect or review content depicting dangerous driving, including where uploaded by minors . It also remains unknown whether any such material was shared via public features, such as Spotlight or Public Stories, or whether algorithmic systems could have disseminated it more widely.
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Lack of safeguarding processes to identify repeated unsafe conduct among young users
Wider context from the report “8. The filming and sharing of high-risk driving among peers, apparently treated as entertainment, raised concern that such use may normalise, encourage or reinforce risk-taking behaviour. There is no publicly available information on whether Snapchat has considered these behavioural risks or has safeguarding processes capable of identifying repeated patterns of unsafe conduct among young users .
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Uncertainty about wider algorithmic dissemination of dangerous-driving content
Wider context from the report “7. The inquest heard that unsafe driving behaviour was recorded and shared privately on Snapchat prior to the collision. It received no information on whether Snapchat is able to detect or review content depicting dangerous driving, including where uploaded by minors. It also remains unknown whether any such material was shared via public features, such as Spotlight or Public Stories, or whether algorithmic systems could have disseminated it more widely .
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Lack of a consistent method to identify concealed higher-than-expected use by young named drivers
Wider context from the report “6. Industry practice does not appear to include a consistent method for identifying when a named driver arrangement may conceal higher-than-expected use by a young driver, with implications for risk assessment and safety. There is also no uniform approach to how telematics is applied or the need for its use communicated to young drivers. The inquest noted uncertainty about how clearly insurers and brokers explain the safety-related aspects of telematics to young drivers or their families, which may influence decisions made when arranging insurance.
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Insufficient understanding of peer influence, vehicle loading and rural road hazards
Wider context from the report “9. The circumstances of this case highlight the continued significance of peer influence, vehicle loading and rural road hazards for young drivers. It is unclear how well these risks are understood by young people, parents (particularly those organising insurance cover), or schools .
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Unclear insurer processes for collecting, interpreting and acting on telematics data
Wider context from the report “5. While telematics devices can monitor driving behaviour, it is unclear how insurers collect, interpret or act upon such data , or how consistently safety considerations are incorporated into insurance products designed for young drivers.
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Difficulty identifying true vehicle use by young named drivers
Wider context from the report “4. Evidence was heard about the practice of “fronting.” Although it did not apply in this case, it illustrates difficulties insurers may face in identifying the true pattern of vehicle use when young drivers are insured as named drivers . Named drivers may not be subject to telematics monitoring, which can result in differing levels of behavioural oversight for drivers with similar early-stage risk profiles.
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Peer sharing of high-risk driving normalising and reinforcing risk-taking
Wider context from the report “8. The filming and sharing of high-risk driving among peers, apparently treated as entertainment, raised concern that such use may normalise, encourage or reinforce risk-taking behaviour . There is no publicly available information on whether Snapchat has considered these behavioural risks or has safeguarding processes capable of identifying repeated patterns of unsafe conduct among young users.
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Failure of test requirements to assess passenger and load-related vehicle dynamics
Wider context from the report “3. The inquest heard that newly qualified drivers may have limited experience of rural roads, vehicles under load or situations that significantly affect handling. Test requirements do not involve passengers or load-related vehicle dynamics , raising concern about whether the competencies assessed at qualification correspond to those required during the early stages of independent driving.
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Unclear communication of telematics use and safety implications to young drivers and families
Wider context from the report “6. Industry practice does not appear to include a consistent method for identifying when a named driver arrangement may conceal higher-than-expected use by a young driver, with implications for risk assessment and safety. There is also no uniform approach to how telematics is applied or the need for its use communicated to young drivers . The inquest noted uncertainty about how clearly insurers and brokers explain the safety-related aspects of telematics to young drivers or their families , which may influence decisions made when arranging insurance.
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Failure of qualification competencies to cover early independent-driving conditions
Wider context from the report “3. The inquest heard that newly qualified drivers may have limited experience of rural roads, vehicles under load or situations that significantly affect handling . Test requirements do not involve passengers or load-related vehicle dynamics, raising concern about whether the competencies assessed at qualification correspond to those required during the early stages of independent driving .
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Failure of licensing arrangements to provide structured progression aligned to early post-test risk
Wider context from the report “2. New drivers are not required to demonstrate an understanding of how passengers affect braking, stability and handling. The standard driving test does not require experience on rural roads with tight bends, undulations or variable grip. Given that collision risk is highest in the early post-test period, there is a concern as to whether current licensing arrangements adequately reflect the conditions young drivers commonly face or include a structured progression stage aligned to this risk .
” Open source report × Source evidence
How this individual concern was interpreted PFD Monitor created a concise, searchable interpretation from the report wording shown below. The report was sent to Chartered Insurance Institute; that does not assign responsibility.
PFD Monitor interpretation Lack of a uniform approach to applying telematics
Wider context from the report “6. Industry practice does not appear to include a consistent method for identifying when a named driver arrangement may conceal higher-than-expected use by a young driver, with implications for risk assessment and safety. There is also no uniform approach to how telematics is applied or the need for its use communicated to young drivers. The inquest noted uncertainty about how clearly insurers and brokers explain the safety-related aspects of telematics to young drivers or their families, which may influence decisions made when arranging insurance.
” Open source report
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Source evidence
How this respondent action was interpreted
PFD Monitor created a concise, searchable interpretation from the published response wording shown below.
PFD Monitor interpretation Work with relevant stakeholders to promote consistent good practice in using telematics data to improve road safety.
Verbatim wording from the response “• Working with insurers, trade associations, road safety groups, driver training bodies, consumer groups and the Financial Conduct Authority to build on existing good practice (such as the BIBA Good practice guide to selling telematics¹⁰) to stimulate:
○ higher prioritisation of young drivers as potentially vulnerable customers
○ greater consistency in the way insurers apply good practice when identifying the misuse of named driver arrangements
○ greater consistency in the way insurers apply good practice in the promotion of telematics to young drivers,
○ greater consistency in the way insurers apply good practice in the use of telematics data to improve road safety.” Source location Response from Chartered Insurance Institute
Open published response
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Source evidence
How this respondent action was interpreted
PFD Monitor created a concise, searchable interpretation from the published response wording shown below.
PFD Monitor interpretation Work with relevant stakeholders to promote consistent good practice for identifying misuse of named-driver arrangements.
Verbatim wording from the response “• Working with insurers, trade associations, road safety groups, driver training bodies, consumer groups and the Financial Conduct Authority to build on existing good practice (such as the BIBA Good practice guide to selling telematics¹⁰) to stimulate:
○ higher prioritisation of young drivers as potentially vulnerable customers
○ greater consistency in the way insurers apply good practice when identifying the misuse of named driver arrangements
○ greater consistency in the way insurers apply good practice in the promotion of telematics to young drivers,
○ greater consistency in the way insurers apply good practice in the use of telematics data to improve road safety.” Source location Response from Chartered Insurance Institute
Open published response
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Source evidence
How this respondent action was interpreted
PFD Monitor created a concise, searchable interpretation from the published response wording shown below.
PFD Monitor interpretation Publish guidance by the end of 2026 on behavioural change and proactive risk management, including collection, interpretation and use of data.
Verbatim wording from the response “• The guidance will identify:” Source location Response from Chartered Insurance Institute
Open published response
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Source evidence
How this respondent action was interpreted
PFD Monitor created a concise, searchable interpretation from the published response wording shown below.
PFD Monitor interpretation Work with relevant stakeholders to promote consistent good practice when explaining and promoting telematics to young drivers.
Verbatim wording from the response “• Working with insurers, trade associations, road safety groups, driver training bodies, consumer groups and the Financial Conduct Authority to build on existing good practice (such as the BIBA Good practice guide to selling telematics¹⁰) to stimulate:
○ higher prioritisation of young drivers as potentially vulnerable customers
○ greater consistency in the way insurers apply good practice when identifying the misuse of named driver arrangements
○ greater consistency in the way insurers apply good practice in the promotion of telematics to young drivers,
○ greater consistency in the way insurers apply good practice in the use of telematics data to improve road safety.” Source location Response from Chartered Insurance Institute
Open published response
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Source evidence
How this respondent position was interpreted
PFD Monitor created a concise, searchable interpretation from the published response wording shown below.
PFD Monitor interpretation A purely self-regulatory agreement to require more young drivers to adopt telematics could be undermined by insurers opting out.
Verbatim wording from the response “A purely self-regulatory approach to forcing more drivers to adopt telematics is unlikely to work.” Source location Response from Chartered Insurance Institute
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Source evidence
How this respondent position was interpreted
PFD Monitor created a concise, searchable interpretation from the published response wording shown below.
PFD Monitor interpretation Prescriptive mandates on telematics technology or communications are unlikely to secure safer driving because telematics benefits require a broader range of measures.
Verbatim wording from the response “• Second, the greatest benefits of telematics can only be derived from a range of measures. For example, the research agency, Consumer Intelligence, has summarised some of these approaches as:” Source location Response from Chartered Insurance Institute
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Information checked against published PFD reports and official responses · Data reviewed 7 Sep 2026 · About data quality and limitations