Consumer Insurance (Disclosure and Representations) Bill [Lords]

I hear what the Minister says, but I do not agree that she needed to dig through the barrel of reasons to resist the amendment. I know that officials tend to list a number of reasons—typically to address drafting or other deficiencies—but when she talks about upsetting the balance of the Bill as a whole simply to place a duty on insurers to show regard to a principle about the imposition of a burden or restriction being proportionate to the benefits, I think she is going a little too far. However, the aim of the amendment was to test the position. I am not entirely convinced that we will not encounter circumstances in which consumers in a certain category will be deterred when faced with more specific questions involving the disclosure of their particulars in an insurance contract. In a sense there is a link with new clause 1, which might have provided a better way of dealing with the matter. I want to have a sense of how many people might be deterred from taking out an insurance contract in a year or two because of the administrative burden that we are discussing. However, I have had an opportunity to air the point, I think the Minister has done her best to address it, and, as I have said, I do not want to denigrate a Bill that has broad support and introduces positive changes. We shall keep a close eye on how the situation develops, but I beg to ask leave to withdraw the amendment. Amendment, by leave, withdrawn.