Animals Act 1971 (Amendment) Bill

The hon. Gentleman says that he believes that the Mirvahedy case was fought between the insurance companies. I do not know whether Mr. Mirvahedy's case was supported by his insurers, but that would be extremely unusual. He might have been supported by his legal expenses insurer. However, the fact remains that most people who are victims of animal accidents are not insured against the risk, so if they cannot claim compensation, they end up paying the full cost. The whole system of insurance involves spreading the risk across everyone. Is it right that someone who is turned into a paraplegic ends up paying the full cost, as opposed to the cost being spread across the industry as a whole?