The £8.2bn stealth 税金 that every family in Britain is 支払う／賃金ing

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The 利益（をあげる）s and 株 prices of the country’s major 保険 companies are にわか景気ing as they 課す ever-higher 賞与金s on 顧客s.

But it’s not just the 保険会社s that are 得るing the rewards of this 賞与金 大当り ― the 政府 is also rubbing its 手渡すs in glee.?

人物／姿／数字s 解放（する）d by the Office for 予算 責任／義務 (OBR) ― in 返答 to the （ドイツなどの）首相／（大学の）学長 of the 国庫’s 予算 ― show that the 税金s the 政府 is 生成するing from 保険 賞与金s are 現在／一般に higher than from much despised 相続物件 税金.

Stealth 得る，とらえる: The 税金s the 政府 is 生成するing fr om 保険 賞与金s are 現在／一般に higher than from much despised 相続物件 税金

The 現在の 歳入 from 保険 賞与金 税金 (IPT) 徴収するd on sales of most types of 保険 cover stands at a staggering £8.2 billion a year ― £0.6 billion more than the 税金 （警察の）手入れ，急襲 on family 相続物件s, and not far behind the 税金 得るd from タバコ sales (£8.8 billion).

In very simple 条件, the bigger 賞与金s that 保険会社s 告発（する），告訴（する）／料金 their 顧客s, the greater the 政府’s 税金-take.?

In the 税金 year ending April 2023, IPT 領収書s totalled £7.5billion while ten years ago, in the 税金 year ending April 2014, they were just a tad over £3billion.?

その上に, によれば the OBR, the 年次の 税金 得る，とらえる from IPT will continue to rise over the next five years to £8.8 billion in the 税金 year ending April 2029.

Why 保険 賞与金 税金 needs to change?

It’s a 勝利，勝つ-勝利，勝つ for 保険会社s and the money men at the 財務省 ? and it is a 状況／情勢 that is beginning to 怒り／怒る 圧力団体s 代表するing the 年輩の and the financially challenged.

They ALL believe the regressive 税金 is 不公平な on those with low incomes and stretched 世帯 財政／金融s.?

Some also passionately argue that the 政府 has deliberately turned a blind 注目する，もくろむ to はびこる 保険 賞与金s because higher prices mean a greater 税金-take.

IPT is 現在／一般に 告発（する），告訴（する）／料金d at 12 per cent on mainstream 政策s such as 世帯, モーター, 私的な 医療の and pet cover. Some covers, such as travel 保険, attract a 20 per cent 告発（する），告訴（する）／料金.?

Rather than 吸収する the 税金 themselves, 保険会社s automatically 追加する it on to 顧客s’ 法案s.

保険s that are 免除された from the 税金 含む health 政策s such as life 保険, 批判的な illness cover and income 保護, too.

Although more than four in five 世帯s 支払う／賃金 the 税金, two thirds of people have little ― or no ― knowledge of it, even though it is spelt out in 文書s they receive when they take out or 新たにする cover.

The 協会 of British 保険会社s (ABI) has dubbed it the country’s ‘hidden-in-plain-sight’ 税金.

The ABI hoped that （ドイツなどの）首相／（大学の）学長 Jeremy 追跡（する） would 削減（する） IPT in last week’s 予算, arguing that the 税金 ‘penalises people and 商売／仕事s for 存在 responsible’.

It even designed its own （選挙などの）運動をするing ‘mascot’ Snippy (a pair of scissors with 注目する，もくろむs) to 圧力（をかける） for the 削減（する）. But Snippy failed to 勝利，勝つ over Mr 追跡（する）.?

Yet, in the wake of the （ドイツなどの）首相／（大学の）学長’s 予算, it hasn’t stopped a glut of 財政上の 専門家s from still calling for the 税金 to be 改造するd or lowered ― sooner rather than later.

Public purse: The 現在の 歳入 from 保険 賞与金 税金 徴収するd on sales of most types of 保険 cover stands at a staggering £8.2bn a year

James Daley, director of money （選挙などの）運動をするing group Fairer 財政／金融, says that now is the ‘権利 time’ for the 政府 to look at changes to IPT.

He told Money Mail yesterday: ‘A growing number of people are struggling to afford 保険 cover, 特に car 保険 which is 義務的な.

‘People rely on their car to get to work, shop and take children to school. I think it’s 負かす／撃墜する to the 政府 to take 活動／戦闘 to support struggling families and pensioners ― and 削減（する）s to IPT are an 平易な way to do that.’

The 最新の data from comparison website 混乱させるd.com shows that the 普通の／平均（する） cost of car 保険 is now £995 ― 58 per cent higher than a year ago.?

Prices, the 会社／堅い says, are at their highest level since it started 収集するing data 18 years ago. Both the young and old are 耐えるing the brunt of this 殺到する in 賞与金s.

Mr Daley’s 見解（をとる） is 株d by Ian Hughes, of 保険 consultancy 消費者 知能. ‘IPT is a 税金 on some of the most 攻撃を受けやすい members of society ― those who are young or who have had 保険 （人命などを）奪う，主張するs and are now 支払う／賃金ing more for cover,’ he says.?

‘There must be a more equitable way for the 政府 to raise cash.’ Dennis Reed is director of Silver 発言する／表明するs, a （選挙などの）運動をする group 代表するing the 年輩の. He does not mince his words.?

‘It is shocking that the taxman is 得るing the 財政上の 利益s of the rapacious 伸び（る）s 現在／一般に 存在 made by 保険会社s,’ he told Money Mail.

‘Instead of smugly pocketing these 税金 歳入s, the 政府 should be clamping 負かす／撃墜する on the 正統化できない 引き上げ（る）s in 賞与金 s 存在 課すd on many 年輩の people, 特に those who 運動 井戸／弁護士席 into their 70s.’?

He 追加するd: ‘The costs of all forms of 保険 are becoming prohibitive and leaving 攻撃を受けやすい people financially exposed. This 問題／発行する needs to be 演説（する）／住所d, even if it means いっそう少なく 歳入 for the 財務省.’

運動ing costs: The 最新の data from comparison website 混乱させるd.com shows that the 普通の／平均（する） cost of car 保険 is now £995 ― 58% higher than a year ago

How 保険 賞与金s have ロケット／急騰するd

A regulatory 厳重取締 on home and car 保険 pricing was 開始する，打ち上げるd just over two years ago by the 財政上の 行為／行う 当局 (FCA).?

The 目的（とする） was to 確実にする loyal 顧客s no longer paid more for their 政策 at 再開 than someone buying 同一の cover from the same 保険会社 for the first time.?

Although it said the move would save policyholders £4.2 billion over the next ten years, all the 証拠 so far 示唆するs さもなければ.

Over the past year, 普通の／平均（する） 賞与金s for home and car 保険 have leapt by 41 per cent (によれば 消費者 知能) and 58 per cent それぞれ ― resulting in 記録，記録的な／記録する 量s of IPT flowing into the 財務省’s coffers.

As Money Mail has 繰り返して 最高潮の場面d since the FCA’s 支配するs （機の）カム in at the beginning of 2022, the only way most policyholders have been able to keep 保険 costs ばく然と under 支配（する）／統制する is by shopping around ― or trimming the breadth of their cover.

The 保険 産業’s rude 財政上の health was 最高潮の場面d six days ago when 海軍大将 Group 報告（する）／憶測d 2023 利益（をあげる）s of £443 million, a 22 per cent 増加する on the year before. 海軍大将’s UK brands 含む Diamond, Elephant and Veygo.?

The numbers 誘発するd 投資 bank Berenberg to paint a rosy 未来 for the 保険会社, 予測（する）ing a step up in 利益（をあげる）s over the next two years to about £760 million.

株 in 海軍大将, a FTSE100-名簿（に載せる）／表（にあげる）d company, have now risen 43 per cent over the past year.?

競争相手 Direct Line ― a group 構成するing 保険 brands Churchill and 特権 ― has also attracted 企て，努力，提案 利益／興味 from ベルギー 競争相手 Ageas.

Although all the 専門家s 接触するd by Money Mail 支援する a 削減 in IPT on fairness grounds, some believe it will be a hard 仕事 to 達成する.

As one said: ‘I want to support 消費者s 支払う／賃金ing いっそう少なく for 保険 through the 廃止 of IPT, but I can’t hear anyone 示唆するing how this 政府 ― or for that 事柄 the next one ― finds the £8 billion a year it would cost.’

The 財務省 said it kept all 税金s under review, but 改革（する） 主要な to any loss in 税金 歳入 would have to be fiscally balanced to 持続する 経済的な 安定.

It 追加するd: ‘保険 賞与金 税金, which 与える／捧げるs £8 billion a year に向かって 決定的な public services, forms just one part of the 全体にわたる cost of 保険 and the extent to which it is passed on to 顧客s is a 決定／判定勝ち（する） for 保険会社s.?

Other factors 影響する／感情ing the price of 保険 含む the level of 競争 in the market.’

Do you think 保険 賞与金 税金 should be scrapped? Email: jeff.prestridge@dailymail.co.uk?