Animals Act 1971 (Amendment) Bill

The hon. Gentleman is being very generous and good-hearted, and I do not want to fall out with him personally over this, as we have had some reasonable discussions. He says that insurance premiums will go down, but my experience is that they never go down, whatever the change in the risk may be. What guarantees has he had from the Association of British Insurers that if the Bill were to be enacted, premiums would be, say, halved?