Millions of motorists could see their car insurance bills cut by £40 a year, the government says, after it announced a crackdown on the “epidemic” of exaggerated and fraudulent whiplash injury claims. The Ministry of Justice (MoJ) proposals would make obtaining a payout much tougher and, according to insurers, will end the UK’s status as the whiplash capital of the …

More than 40,000 pre-school children are missing out on free childcare promised by the Government, and the problem is set to worsen with many local authorities unable to provide enough places, according to a new report. The number of local authorities in England with insufficient places for three and four year olds has more than doubled in the past year, …