Animals Act 1971 (Amendment) Bill

I am not entirely knowledgeable about the black arts of the actuarial profession—the actuary of actuaries, actually—[Laughter.] However, some risks that are covered never have any claims made against them at all. Insurance is provided because large claims may be made in the future, so the hon. Gentleman's point about smoothing and averaging things out does not apply to rural businesses in particular. They have great insurance difficulties, because they are small businesses that potentially face large claims.