Consumer Insurance (Disclosure and Representations) Bill [Lords]

Ultimately, the courts would have to be the arbiter in relation to those arrangements. This is the kind of thing that tends to get drawn into a judicial review, although I would hope that it will not need to be tested in that way. I am simply introducing a principle that I would like insurers to have regard to when they frame the questions, the tests and the requirements that they place on the shoulders of the consumer. Under this legislation, insurers will be made to ask questions that are much more specific than has been the case up to now. People who find form-filling particularly onerous or difficult might decide that they simply cannot be bothered to go through the process, and they are the people that I am worried about. This is not necessarily about people's literacy levels, or their boredom thresholds or their propensity to fill in forms. This amendment is quite material to the Bill.