Price comparison website: use of most favoured nation clauses

The CMA is investigating suspected breaches of the Chapter I prohibition and Article 101 TFEU in the use of certain retail most favoured nation clauses by a price comparison website in relation to home insurance products.

Case timetable

Date Action
February to April 2019 Considering written and oral representations on the statement of objections, state of play meeting with the party, further evidence gathering and analysis (if required).
November to January 2019 Receipt of written and oral representations on the statement of objections
2 November Statement of objections issued
March 2018 Decision on whether to proceed with the investigation or to close the investigation
September 2017 to March 2018 Initial investigation: information gathering, including issue of formal or informal information requests and responses
26 September 2017 Investigation opened

Statement of objections

2 November 2018: The CMA has issued a statement of objections alleging that BGL (Holdings) Limited, BGL Group Limited, BISL Limited (BISL), and Compare The Market Limited have breached UK and EU competition law by using retail wide most favourite nation clauses in certain contracts with home insurance providers.


  • the investigation is under Chapter I of the Competition Act 1998 (CA98) and Article 101 Treaty on the Functioning of the European Union (TFEU)
  • no conclusion should be drawn that there has been an infringement of competition law at this stage and the recipients of the statement of objections will now have the opportunity to respond to the allegations
  • the CMA will consider any representations it receives before any decision is taken as to whether competition law has in fact been infringed
  • further detail of the CMA’s procedures in Competition Act 1998 cases is available here: CMA’s procedures in Competition Act 1998 cases.

Changes to the timing of original entries in the case timetable will be made where the estimated timing in the original timetable changes.


Assistant Project Director

Cleo Alliston (020 3738 6669,

Project Director

Christiane Kent (020 3738 6250,

Senior Responsible Officer

Michael Grenfell (020 3738 6134,

Published 26 September 2017
Last updated 2 November 2018 + show all updates
  1. Statement of objections issued.
  2. Timetable updated.
  3. First published.