Consumer Insurance (Disclosure and Representations) Bill (HL). Report stage debate. Third reading debate. Agreed on question and Bill passed.
Consumer Insurance (Disclosure and Representations) Bill [HL]
Debate on bills on Tuesday, 6 March 2012,
in the House of Commons,
led by Chloe Smith.
The answering
member was Chris Leslie.
Type
Parliamentary proceeding
Reference
541 c768-89 
Session
2010-12
Chamber / Committee
House of Commons chamber
Consumer Insurance (Disclosure and Representations) Bill (HL). Brought from the Lords. With explanatory notes (Bill 274-EN).
Tuesday, 17 January 2012
Bills
House of Commons
Tuesday, 17 January 2012
Bills
House of Commons
Proceeding contributions
Chloe Smith | 541 c782-4 (Link to this contribution)
I shall answer a few questions. On this amendment, I am indeed with my hon. Friend the Member for Ch...
Chris Leslie | 541 c784-5 (Link to this contribution)
I hear what the Minister says, but I do not agree that she needed to dig through the barrel of reaso...
Show all contributions (50)
Chloe Smith | 541 c785-6 (Link to this contribution)
I beg to move, That the Bill be now read the Third time.
I shall do my best to be brief but compreh...
Christopher Chope | 541 c786 (Link to this contribution)
Has my hon. Friend or her Department produced any estimate of the likely reduction of the burden on ...
Christopher Chope | 541 c785 (Link to this contribution)
On a point of order, Mr Deputy Speaker. It has now gone eight o'clock. In an act of indulgence, a nu...
Speaker | 541 c785 (Link to this contribution)
That is not a matter on which the Chair can intervene. It is a matter for the Government's business ...
Jim Shannon | 541 c787 (Link to this contribution)
In this Bill, has consideration been given to the differentials in prices across the United Kingdom?...
Speaker | 541 c787 (Link to this contribution)
Order. We are now on Third Reading, and questions must be relevant to that stage.
Chloe Smith | 541 c786 (Link to this contribution)
Some estimates have been made, and I believe that my hon. Friend will find some of them in the impac...
Chris Leslie | 541 c786-7 (Link to this contribution)
I join the Minister in welcoming the Bill. It was prompted by a Law Commission report in the days wh...
Chris Leslie | 541 c787 (Link to this contribution)
That was an important point, however. There are regional disparities in consumer insurance. We tried...
Speaker | 541 c787 (Link to this contribution)
Order. The hon. Gentleman is an experienced Member and he should know that on Third Reading we canno...
Chris Leslie | 541 c787-8 (Link to this contribution)
Your strictures are very firm, Mr Deputy Speaker, and I would not in any way want to stray out of or...
Speaker | 541 c788 (Link to this contribution)
I hope we will have no further mention of the llama of the hon. Member for Lichfield (Michael Fabric...
Jonathan Evans | 541 c788-9 (Link to this contribution)
You will not hear any from me, Mr Deputy Speaker.
I wish to detain the House briefly in order to pl...
Chloe Smith | 541 c789 (Link to this contribution)
I thank all Members for their comments on Third Reading and at other stages. This Bill will produce ...
Chloe Smith | 541 c772 (Link to this contribution)
I have insurance as well.
Chris Leslie | 541 c772 (Link to this contribution)
She does have a driving licence.
Chloe Smith | 541 c772 (Link to this contribution)
indicated assent.
Chris Leslie | 541 c771-2 (Link to this contribution)
I think a deal has been transacted on the Floor of the House. However, under the provisions of the B...
Jonathan Evans | 541 c771 (Link to this contribution)
Before the hon. Gentleman frightens my hon. Friend the Member for Lichfield (Michael Fabricant) away...
Chris Leslie | 541 c771 (Link to this contribution)
In that case, he will feel that it is an absolute necessity to ensure that his llama always has pet ...
Chris Leslie | 541 c769-70 (Link to this contribution)
I am grateful to the hon. and learned Gentleman for bringing his experience to bear on this debate; ...
Stephen Phillips | 541 c769 (Link to this contribution)
indicated assent.
Chris Leslie | 541 c768-9 (Link to this contribution)
I beg to move, That the clause be read a Second time.
It is fortunate that we have the opportunity ...
Stephen Phillips | 541 c769 (Link to this contribution)
The hon. Gentleman will know that the 1906 Act, which was drafted by Sir Mackenzie Dalzell Chalmers,...
Chris Leslie | 541 c769 (Link to this contribution)
I note that the hon. and learned Gentleman recalls that from his history studies. Although, strictly...
Greg Knight | 541 c781 (Link to this contribution)
Is the hon. Member for Nottingham East (Chris Leslie) not making rather heavy weather of this matter...
Christopher Chope | 541 c781 (Link to this contribution)
The hon. Member for Nottingham East (Chris Leslie) has again done the House a service in raising thi...
Chris Leslie | 541 c781 (Link to this contribution)
Indeed, that is the very nature of the legislation, but that does not mean that, in the course of ch...
David Nuttall | 541 c781 (Link to this contribution)
So, in reality, the only way for a consumer to enforce this duty would be to take the company to cou...
Christopher Chope | 541 c782 (Link to this contribution)
My right hon. Friend anticipates my next point, which was to say that this should be, and will be, s...
Chloe Smith | 541 c776-8 (Link to this contribution)
I welcome the three contributions and the interventions we have just heard. I wholeheartedly welcome...
Chris Leslie | 541 c780-1 (Link to this contribution)
Ultimately, the courts would have to be the arbiter in relation to those arrangements. This is the k...
David Nuttall | 541 c780 (Link to this contribution)
Will the hon. Gentleman tell us who will be responsible for determining whether the new duty that th...
Chris Leslie | 541 c779 (Link to this contribution)
I beg to move amendment 1, page 1, line 22, at end insert—
Stephen Phillips | 541 c774 (Link to this contribution)
My hon. Friend makes a valid point. The insurance industry has long been regulated and the ombudsman...
Jonathan Evans | 541 c774 (Link to this contribution)
My hon. and learned Friend will know that arrangements are in place for the Financial Ombudsman Serv...
Jonathan Evans | 541 c775 (Link to this contribution)
There might have been another reason for the 10 months: the European decision to which my hon. Frien...
Christopher Chope | 541 c774-5 (Link to this contribution)
I was rather attracted to the new clause tabled by the hon. Member for Nottingham East (Chris Leslie...
Christopher Chope | 541 c775-6 (Link to this contribution)
My hon. Friend is ahead of the game. I was interested in his earlier intervention declaring his know...
Stephen Phillips | 541 c773 (Link to this contribution)
I rise to make only a short contribution. The new clause is misconceived. The Law Commission did not...
Chris Leslie | 541 c772-3 (Link to this contribution)
I am glad the hon. Lady has insurance—I would expect nothing less. The Government car service will c...
Stephen Phillips | 541 c774 (Link to this contribution)
I am not for a moment suggesting that the Bill should not be scrutinised.
Insurance companies ought...
Chris Leslie | 541 c773-4 (Link to this contribution)
I hear the hon. and learned Gentleman's points, and I do not wish in any way to denigrate the import...
Chris Leslie | 541 c771 (Link to this contribution)
A llama? I did not know that. I am not sure I needed to know it, either, but the hon. Gentleman may ...
Speaker | 541 c776 (Link to this contribution)
That probably goes too wide for this particular debate. I call Chloe Smith.
Chris Leslie | 541 c778 (Link to this contribution)
I am grateful to the Minister and other hon. Members for taking the time to reflect on my new clause...
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