On 24 September 2014, the UK's Competition and Markets Authority (CMA) published its final report following its investigation into the private motor insurance (PMI) market. This focuses on potential adverse effects on competition including of: (a) separation of cost liability and cost control (i.e. that, typically, the non-fault party is in control of cost and has little or no incentive to control/limit this); (b) market concentration/competition between PMI insurers; (c) add-ons; and (d) potentially anti-competitive arrangements between such insurers and price comparison websites. The CMA identified issues in cost liability/control separation, but concluded that there is no suitable solution which is also proportionate. Issues have also been identified regarding add-ons and the CMA has made certain recommendations to the Financial Conduct Authority in the UK (the FCA) (e.g. that the FCA should consider whether insurers/brokers should provide prices for all/certain add-ons they offer to price comparisons websites).