Given that the Secretary of State had advance notice of my question, I am afraid that his answer shows how out of touch with reality he has become. Car insurance is not a luxury but a legal requirement, and it is completely unaffordable for millions of drivers. There has been a £219 increase in the average premium in two years. Instead of parroting conspiracy theories about 15-minute cities, why does he not do his job, take action, demand action from regulators, call in the Competition and Markets Authority, and act on soaring insurance premiums?