Equality Bill

My Lords, I hope that it is appropriate for me to make a declaration of interest on behalf of all Members of this House who are over the age of 60 so that we do not have to do it one by one. Of course, for that reason, all of us support allowing Saga to discriminate in our favour and we very much hope that the regulations will continue to benefit old people like myself in perpetuity until the reaper comes. However, the problem with this amendment, and those related to it, is that it is far too broad. Some time ago, I was lobbied by the insurance industry and I pointed out the danger of its seeking to water down the position that the Government have now got themselves into on the Bill, which is the right position. When I began at the Bar, I used to teach insurance law at night school. One day, a person came to me having stolen the underwriting guide for a major insurance company. It said that the underwriters recommended in the motor insurance industry charging more for black people than for white. So, in 1974 to 1976, when I was doing the Race Relations Bill and the Board of Trade and the insurance industry tried to adopt a hands-off approach to discrimination law, I argued extremely strongly that that should not be the case. We gave in to some extent, but not in the way in which they wanted. It is extremely important that we do not take out of the Bill in the key definition sections an escape clause that would allow the insurance industry in general to discriminate on the basis of race or any other protected ground. I know that that is something with which the noble Baroness, Lady Warsi, would agree. Therefore, I hope that the Minister will confirm that the Government will be rock-like and steadfast in standing up to any pressure from the insurance industry that would allow widespread discrimination to leak into these other areas, for whatever reason. I agree with the noble Lord, Lord Davies, that I am as self-interested as he is.