On 4 November 2015, Insurance Europe released a report outlining variations in the cost of motor insurance claims across Europe.  It indicates that this inconsistency is a product of the unique regulatory, risk and economic environments which exist (including costs of medical treatment, compensation practices and road habits). These factors also lead to a wide variation in premium.  In light of these differences, Insurance Europe considers that the EU Motor Insurance Directive provides appropriate levels of harmonisation within the sector.