Police, Crime, Sentencing and Courts Bill

Debate between Lord Alton of Liverpool and Lord Bourne of Aberystwyth
Lord Alton of Liverpool Portrait Lord Alton of Liverpool (CB)
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My Lords, it is a great pleasure to follow the right reverend Prelate the Bishop of Manchester and to support the noble Baronesses, Lady Lister and Lady Whitaker, on Amendments 57 and 55ZB, to which I am happy to be a signatory along with noble Lords drawn from right across the House.

The noble Baroness, Lady Lister, set out the arguments for Amendment 57 with her usual clarity. At the heart of her remarks is the compelling case for social justice and the upholding of human rights. Suffice it to say that when it comes to inequalities, this group of people—Gypsies, Roma and Travellers—are in a league of their own. That was the conclusion of the March 2019 report of the Women and Equalities Select Committee. I know the Minister has given a great deal of personal attention to this issue; like others, I put on record my gratitude to her. When she comes to reply, I wonder whether she can tell us what account was taken of that report in framing this legislation and what action was taken to develop the cross-departmental strategy it called for.

The noble Baroness, Lady Lister, noted the absence of any detail still. I simply reinforce her message that the Government should publish and allow a debate on the strategy before implementing Part 4, or at least give a clear commitment as to when the strategy will be published. No doubt Covid will be prayed in aid to justify the delay but, even allowing for Covid, more than two years is simply too long. After all, those same constraints did not prevent the department coming forward with this change of law—or, for that matter, this entirely new Act of Parliament.

I will say a few words in support of the noble Baroness, Lady Whitaker, who in her admirable way has pursued this issue over so long and has encouraged so many of us to join the all-party parliamentary group in which she plays such a leading role. She has rightly pointed to the absence of sites—a point made by the noble and learned Lord, Lord Garnier. How we respond to that is surely about whether to criminalise or incentivise local authorities to do something about it.

The greatly missed Lord Avebury promoted the Caravan Sites Act 1968. As a young city councillor in Liverpool in 1973, I, along with others—some of whom are in the Chamber this evening—pressed for the city council to do something about that Act. We pushed for the opening of a permanent site for Travellers. It is situated in Oil Street, in Tara Park. The Act led to many new sites, but its repeal in 1994 disincentivised provision, and there are now some 1,696 households on the waiting list for permanent pitches in England, while the last funding round secured resources for just two transit sites.

The civilised answer is to make provision, not to introduce draconian, criminalising legislation based on some very dubious legal principles, which seem to me to run contrary to human rights obligations and our duties to contest bigotry and prejudice with solutions—points made by the noble Baroness, Lady Bennett. According to the Equality and Human Rights Commission’s barometer of prejudice, 44% of those surveyed expressed hostile and openly negative feelings towards Gypsies, Roma and Travellers. We should beware of doing anything to reinforce such prejudice and the old tropes.

The noble Baroness, Lady Bennett, reminded us of where prejudice can lead. On 2 August each year, the day on which we recall the Roma genocide, I am always struck that on that very day in 1944 the Gypsy family camp at Auschwitz-Birkenau, the German Nazi concentration camps in the then occupied Poland, was liquidated. It is sometimes suggested that, during the Holocaust, half a million Roma and Sinti perished. At the time of the liberation of Auschwitz, just four Roma remained alive.

In our generation, it is down to us to guard against prejudice, which—I know the Minister would agree—can so easily morph into something worse. That is why the noble Baroness, Lady Whitaker, is right to draw attention to the obvious and inevitable violation of human rights that will occur if this clause remains unamended. As the Bill stands, it both criminalises people and deprives them of their rights under Article 8 of the European Convention on Human Rights, which requires respect for their homes—a point the noble Baroness, Lady Brinton, made—and their private and family life, which by law includes respect for their traditional ways of life. As long ago as 2001, the ECHR ruled that there was

“a positive obligation on Contracting States by virtue of Article 8 to facilitate the Gypsy way of life.”

I wonder whether the Minister can tell us how this provision achieves that objective.

Since 1995 the UK has been a signatory to the Framework Convention for the Protection of National Minorities, Article 5 of which says:

“The Parties undertake to promote the conditions necessary for persons belonging to national minorities to maintain and develop their culture”.


It is impossible to see how this legislation honours that obligation.

Before Second Reading, the noble Baroness, Lady Whitaker, the noble Lord, Lord Bourne of Aberystwyth, and the right reverend Prelate the Bishop of Manchester, along with myself, published an article in the House magazine pointing out that the way of life lived by the Roma, the Gypsies and the Travellers stretches back half a millennium, long before the enactment of the Enclosure Acts and the agricultural revolution. In this Bill, we intend to overturn the practice of centuries and criminalise trespass and enable the police to seize vehicles, as we have heard, and homes. Imagine the impact on the children of these families as they watch their parents’ possessions sequestrated and their families evicted—and this could be in the very depths of winter.

These amendments point to rank discrimination and are an attack on a way of life. Adequate accommodation for Gypsies and Travellers is a better, more civilised and more humane way to proceed, rather than locking people into endless cycles of criminalisation and evictions. If this amendment is taken to a vote by the noble Baroness, Lady Whitaker, I for one will certainly go into the Division Lobby to support her.

Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth (Con)
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My Lords, I first of all apologise that I was unable to be here for the Committee on this Bill because of the difficulties of the rail link from Salisbury, which Members will recall. I thank the Minister for making time available to discuss these amendments and this general area. I wish to speak specifically to Amendment 55ZB, which was so well proposed by the noble Baroness, Lady Whitaker, who has done great work in this area, and Amendment 57, where, similarly, the noble Baroness, Lady Lister, proposed it so effectively.

I oppose the provisions on the criminalisation of trespass and Part 4 in general. I do so for several very practical reasons, which I will deal with. First and foremost, it does not deal with the root of the problem: the massive undersupply of sites for Gypsy, Roma and Travellers. I recall this from when I was a Minister; one has only to see around the country the lack of supply of places to know that this is true. I anticipate that the Minister will probably say—because it will be in the brief—that there is a great supply of private places. That is true, but that is a bit like arguing that families on moderate income should be reassured by hotel places in London because there is always a suite available in the Ritz or the Savoy. It does not answer the basic point about the lack of local authority sites. Were they available, this problem would melt away like snow in springtime. That is my first basic point. I do not understand why an attempt has not been made first—before bringing this legislation forward—to deal with that planning aspect and bring legislation forward on that point, as other noble Lords have said.

The second basic point I want to come to is whether this will make any difference. We have heard from many noble Lords that the police are against this provision—they know very well that it will make no difference. People—victims, I would say—will be moved from site A to site B, then from site B to site C and so on, all the way through to site Z and then back again. It is pointless; it is fruitless; it is costly; it is divisive; it is draconian. We should drop it. It does not help the situation, and it will lead to the police being put in a difficult position in relation to legislation that they do not want. I join other Members in saying that there are many local authorities from across the political spectrum that have come forward with proposals. We have heard about Leeds, but it is true also of Fenland, in Cambridgeshire, which has come up with imaginative proposals for dealing with the shortage of sites. Local authorities should be incentivised across the country to deal with this deep-seated problem.

My third reason for opposing this legislation is perhaps at the root of my real objection, and that is that there is something dreadfully un-British about this. It seems to home in on a community that is, in many ways, the lost minority and lost in plain sight. We have heard reference to the committee on equalities, which presented a report, and what it said was reinforced by the race disparity audit, which was a great initiative undertaken by Theresa May and which led to the talk of this strategy. Indeed, there were meetings: taking it forward for education was Nadhim Zahawi, as a junior Minister, and for health, Jackie Doyle-Price; there were representatives from the Home Office, such as, if I am not mistaken, the then Home Secretary, Sajid Javid, and representatives from justice, pensions and so on. All committees were represented in taking this strategy for legislation forward. I wonder what has happened to that.

Housing: Serviced Plots

Debate between Lord Alton of Liverpool and Lord Bourne of Aberystwyth
Wednesday 12th December 2018

(5 years, 4 months ago)

Lords Chamber
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Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, I first thank the noble Lord. He was the noble Lord, as so often, who piloted the very important legislation I referred to through this House. We expect the guidance he is referring to early in the new year.

Lord Alton of Liverpool Portrait Lord Alton of Liverpool (CB)
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Will the Minister take the opportunity to visit the “sweat equity” project in Toxteth, Liverpool, an interfaith initiative which was set up originally by Habitat for Humanity? More than 30 properties were built on that site where the sweat, the labour of the people involved in helping to build the properties, included single parents and people who would never have had the opportunity to become homeowners otherwise. They have now got homes in inner-city Liverpool. It is a wonderful initiative and I hope the Minister will take the opportunity to see it.

Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, I thank the noble Lord very much indeed for the invitation. I am very keen to visit. I am due to go to the north-west for some faith visits, and I will see if I can visit on that occasion.

Kindertransport Commemoration

Debate between Lord Alton of Liverpool and Lord Bourne of Aberystwyth
Monday 26th November 2018

(5 years, 5 months ago)

Lords Chamber
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Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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I am grateful to the right reverend Prelate. That is not the information that I have, but I will certainly check that point.

We are working closely with Canada, which has provided strong leadership in these areas through not just faith organisations but higher education institutions, such as universities.

My noble friend Lord Shinkwin spoke about his personal interest in his very moving speech about the importance of continuing commitment. I quite agree with him.

The noble Baroness, Lady Henig, treated us to some personal, moving reminiscences about her position and that of her family. She said, quite rightly, that this cannot be solved through private action alone. I think she would accept that private action is important, but so is governmental action; I accept that. I will seek, perhaps in a letter, to say where we are precisely on the numbers and how we expect to meet targets on the other numbers.

The noble Lord, Lord Alton, raised several issues. I want to take up the particular point about Asia Bibi; clearly, that case is of great importance. I will tread carefully because I am not quite sure where we are on that, but I know that our chief concern is that she and those close to her are protected. If I may, I will cover where we are on that issue and what we will seek to do in a letter.

My noble friend Lord Popat has led similar debates in the past and speaks with great personal integrity and compassion. He has contributed massively to society and sets an excellent example. I thank him very much for his intervention. I also thank the noble Lord, Lord Dykes, who spoke about his partnership with my noble friend in Harrow East. They both have strong connections there. I thank the noble Lord for his kind words, especially those about Ted Heath’s Government, who did so much for the resettlement of Ugandan Asians.

Looking back, we are always proud of what we did but perhaps feel that we should have done more. We should always ask the question: could we have done more? Almost inevitably the answer will be yes. Obviously this is well beyond my pay grade and not in the department that I sit in, but I will ensure that the Home Office is made aware of the sentiments here and ask it about not just the numbers, although they are clearly important, but the position of the people living here to make sure that they are properly looked after and that we do what we should do. Those points were made by the noble Lord, Lord Alton, and in particular by the noble Lord, Lord Beecham.

Through the noble Lord, Lord Beecham, I thank local authorities for what they do. I have certainly seen Syrian families in Newcastle, and in Taunton, Hereford and Southampton. A very good job is done by local authorities. As I said, that does not mean that we cannot do more not just in numbers, although they are important, but in ensuring that the people who are here receive proper care and attention. In short, there is a very local aspect to this in local authorities that works well in general. There is a responsibility on Governments and on individuals, and there is a global position that should worry us very much, in the context not just of some of the challenges but of some of the leadership, in particular the lack of leadership.

Lord Alton of Liverpool Portrait Lord Alton of Liverpool
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The Minister makes a very important point about the lack of global leadership. Given that we all want these problems tackled at the root so that there are not refugees in the first place, will he go back to some of the other departments he mentioned to see whether there could be some sort of round-table discussion involving people such as the noble Lord, Lord Dubs, and others who have participated, so that we could do more and be rather more effective than we have been thus far? Could he also undertake to write to me on the specific point I raised about the detention centres in Libya and the allegations made by Safe Passage that children in those centres have been tortured?

Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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I certainly will. I thank the noble Lord for reminding me of that point. Perhaps he and I could have a word about that. If he could supply me with some information I will make sure it gets to the right Minister so that we can get an answer on it. His broader point about a round table is a good suggestion. I will see whether we can organise something on that basis to look at how we can co-ordinate things, not just in our country. I am conscious that when we had the Climate Change Conference in 2015 the world came together to agree something. If it is possible on climate change, given the very different interests around the world and the very different impact it would have on different countries, you would think that it would be possible for the world to come together on so many other areas. That is something that this round table could look at. I will certainly see what I can do, perhaps working through the noble Lords, Lord Alton and Lord Dubs.

I thank noble Lords for a very moving debate that has looked at many issues, all of them very important. I undertake to come back to them on the issues raised.

Rogue Landlords

Debate between Lord Alton of Liverpool and Lord Bourne of Aberystwyth
Tuesday 13th November 2018

(5 years, 5 months ago)

Lords Chamber
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Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, to reiterate the point I made to the noble Lord, Lord Kennedy, we are committed to ensuring that the register is open: it is now only a matter of finding parliamentary time in order to put that right. The noble Baroness is right about the importance of that and we are committed to doing it: just as soon as we are able to do so we will bring it forward and I am very pleased that we will be getting her support for that.

Lord Alton of Liverpool Portrait Lord Alton of Liverpool (CB)
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My Lords, will the Minister say what is being done to ensure that, where landlords own properties that are empty, they will be listed on the register? What can be done to incentivise landlords who own empty properties to put them into use for people who are in housing need? Can he tell the House how many properties owned by private landlords are standing empty in the country today?

Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, I am not able to give the noble Lord that information from the Dispatch Box, but I will write to him with those figures, in so far as they are available. In relation to empty properties, he will be aware that some time ago we took legislation through this House to increase the ability of local authorities—indeed, we increased it further here than did the Commons—to charge a higher council tax for empty properties. I think that that will go some way towards dealing with the important issue he refers to.

Thirlmere Reservoir

Debate between Lord Alton of Liverpool and Lord Bourne of Aberystwyth
Thursday 25th January 2018

(6 years, 3 months ago)

Lords Chamber
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Lord Alton of Liverpool Portrait Lord Alton of Liverpool (CB)
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My Lords, in reflecting on what the noble Lords, Lord Greaves and Lord Clark, have just said to the House, will the Minister also reflect that the first battle for Thirlmere was the beginning of the conservation movement? It took place in the 1870s and was supported by John Ruskin and Thomas Carlyle, and what a disgrace it would be if in the 21st century we were to desecrate this most beautiful part of Britain.

Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, the noble Lord is right that it is important to see the historical context of these things, just as the Kinder Scout “trespass” was very significant in terms of national parks. I am sure that noble Lords will appreciate that there is a very important constitutional and legal principle here—that, as the Government, we are unable to comment on a live planning application. However, as I said, the nature of the Lake District and of world heritage sites means that particular protections will apply.

Waste Collection Services

Debate between Lord Alton of Liverpool and Lord Bourne of Aberystwyth
Wednesday 22nd November 2017

(6 years, 5 months ago)

Lords Chamber
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Lord Alton of Liverpool Portrait Lord Alton of Liverpool (CB)
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My Lords, did the Minister see the alarming findings on the disposal of plastics and the effects on whales, fish and other marine life described in the BBC’s programme “Blue Planet”? What advice are the Government giving to local authorities and others to deal more creatively with the disposal of plastics—and indeed the replacement of plastics by materials that can be recycled more easily?

Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, I did not have the privilege of seeing that programme, which I regret as I heard it was extremely good. The noble Lord is right to focus attention on some of the challenges we face. We are improving our position as a nation, but there is much to do. We are in favour of upping the targets that are currently being looked at, and what that improvement will be has yet to be announced—the current target is 60%. The noble Lord is right about the particular problem of marine challenges, which we are also looking at. Black plastics are a particular problem, and we have a working group looking at that.

Social Rented Housing: Construction

Debate between Lord Alton of Liverpool and Lord Bourne of Aberystwyth
Thursday 26th October 2017

(6 years, 6 months ago)

Lords Chamber
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Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, my noble friend will be very much aware, because she takes a great interest in these things, that there is considerable evidence of that, as I have just demonstrated in relation to the White Paper: a £2.3 billion housing infrastructure fund; a £45 million land release fund; money going to build to rent, which will be announced in the new year; bespoke housing deals with Leeds, Manchester and the West Midlands, which are well progressed, and others; garden cities and towns that will be coming forward shortly and are very much instrumental; as I have indicated, additional money is going into the affordable housing budget; and a planning fees increase will be brought in by the end of the year that will give more money to planning departments, which will help local authorities. So, there is no shortage of energy and successful action in tackling this deep-seated problem.

Lord Alton of Liverpool Portrait Lord Alton of Liverpool (CB)
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My Lords, will the Minister tell the House what part low-cost homes for sale, self-builds, housing co-operatives and housing renewal of dilapidated properties—that can be maintained and kept for the future if properly renovated—are playing in the Government’s strategy?

Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, the noble Lord is right that those are instrumental. If I could take one to tell him about: on self and custom builds, local authorities are very much being encouraged to progress that. They are being obliged to; they have to keep a register in relation to right to build, which we are very keen on. He is right to signal those as important. In order to give him a fuller answer, I will write to him on all of those points, if I may, and put a copy in the Library.

Living Home Standard

Debate between Lord Alton of Liverpool and Lord Bourne of Aberystwyth
Thursday 17th November 2016

(7 years, 5 months ago)

Lords Chamber
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Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, I am very pleased that the noble Lord welcomes the measures that we have taken in relation to “pay to stay”. I assure him that the measures against rogue landlords in the Housing and Planning Act were welcomed by Shelter. I will be reporting him to Shelter because it is very pleased with the measures in that regard.

Lord Alton of Liverpool Portrait Lord Alton of Liverpool (CB)
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My Lords, the noble Lord rightly said that the 39 attributes of Shelter’s Living Home Standard are a useful benchmark against which to measure perceptions about the housing stock in Britain. However, will he give the House—if not today then in writing subsequently—details of the number of homes in Britain that are formally sub-standard, the number that are still not properly insulated and the number that still have no inside sanitation in the way of running hot water or bathrooms?

Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, the noble Lord is right to concentrate on what is important in relation to the standard of homes. I can tell him that in 2014 20% of homes were regarded as below standard by the English Housing Survey, which is the recognised gold standard. That is a considerable improvement on the position in 2006, when, using the same measure, the figure was 35%.

Housebuilding: Target

Debate between Lord Alton of Liverpool and Lord Bourne of Aberystwyth
Tuesday 19th July 2016

(7 years, 9 months ago)

Lords Chamber
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Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, clearly there is a role for local authorities here, with which we have dialogue. A considerable amount has been pledged to affordable houses for rent. We are also in dialogue with the Greater London Assembly and the mayor about how we move this forward.

Lord Alton of Liverpool Portrait Lord Alton of Liverpool (CB)
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My Lords, how many of the 171,000 houses were actually social housing? Of the 1 million that are proposed, could the Minister provide a breakdown, even if he cannot supply it today, of the number of homes that will be social housing compared with those that will be for sale, what percentage of those for sale will be in the low-cost homes category, and whether co-operative and self-build housing forms part of the 1 million target figure?

Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, the 1 million figure is of course made up of a range of sources. Some 400,000 will be affordable houses while 200,000 will be starter homes, and it is right that there should be a mix of types of housing. That is something the Government are absolutely pledged to.

Mesothelioma Lump Sum Payments (Conditions and Amounts) (Amendment) Regulations 2015

Debate between Lord Alton of Liverpool and Lord Bourne of Aberystwyth
Wednesday 25th February 2015

(9 years, 2 months ago)

Grand Committee
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Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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My Lords, I thank noble Lords for their helpful contributions to the debate. The Government recognise that the two schemes form an important part of the support available to sufferers of mesothelioma and certain other dust-related diseases, and the regulations will ensure that the value of those schemes is maintained. As the noble Baroness, Lady Sherlock, said, there is no statutory liability to uprate them but, like other noble Lords, I am pleased that this has been managed this year as it was last year.

Let me try to deal with the many valid points raised. In so far as I cannot supply information, or if I miss anything, I will ensure that we write to all noble Lords who have participated in the debate. I will try to take the points in the order in which they were raised.

I thank the noble Lord, Lord Alton, for his support and acknowledgement of the assistance that we have provided. We believe that the impact will be greatest in 2018. That is our best information but we will double check that, and will certainly write to noble Lords if that is inaccurate. We do not intend to make an annual impact assessment but we will look at whether it is possible. We certainly will have access to the indication of the estimates of the people who are likely to contract the disease, and I hope that we are able to do something around those in terms of the increase as it comes each year—hopefully, it will—to indicate that in some sort of impact assessment.

Lord Alton of Liverpool Portrait Lord Alton of Liverpool
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I am extremely grateful to the noble Lord for intimating that at least the proposal will be looked at. It is pretty clear from all the interventions that have been made in these proceedings that it would be incredibly helpful if a narrative could be provided annually, along with these upratings, of where we stand on the broader horizon of the issues that have been referred to during the debate. For me, it would be a very useful outcome of these proceedings if we could have an undertaking that an impact assessment will be provided routinely each year.

Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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I can certainly undertake to look at this and I hope that we will be able to do so. I need to go back to the department to make sure that it can be done, but the noble Lord can have my undertaking that we will certainly look at that.

The measure currently being used is the CPI, and many people have suggested that that could be put on a statutory basis. We are still looking at that and certainly have not ruled it out. That would require a statute, but we are continuing to look at the evidence as to whether it is something that we should be doing. In the mean time, we have flexibility and I think the record speaks for itself: we have been seeking to do what we can.

The noble Lord was keen to push for more research money for projects on mesothelioma. Like him, I was delighted to see that Aviva and Zurich have agreed to pay £1 million to the British Lung Foundation, which does fantastic work. I remember the work that it did when I was in the National Assembly for Wales. It is indeed an excellent organisation. We have set up a partnership that includes patients and clinicians to identify mesothelioma research priorities, and the results were published in December. I will make sure that those are circulated to noble Lords so that they have a record of what is happening in that connection.

I turn to the 3% levy, which has been raised by many noble Lords: the noble Lord, Lord Alton, my noble friend Lord Avebury and the noble Baroness, Lady Sherlock. It is a cap, and setting it at 3% was a hard-fought agreement with the insurance industry. It is not, as it were, a budget; it is a cap and it was set at that level because we wanted to ensure that there would be sufficient funds in the scheme to pay out the money. We have to take account of the cost of the scheme, and that is what the agreement was—it was not to fund research. However, I hope that other insurance companies will follow the excellent example set by Aviva and Zurich, which I have mentioned.

Lord Alton of Liverpool Portrait Lord Alton of Liverpool
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My Lords, I am sorry to interrupt the noble Lord again, but this is an important point. It seems grievously unfair on the two companies that the noble Lord has rightly referred to, which for purely voluntary reasons have stepped forward and provided £1 million of funding to the British Lung Foundation, when there are around 125 insurance companies involved in this. The two companies that have provided these resources have asked why other companies are not being required to do the same. There is a question of equity here, apart from anything else. I am sure that the Minister will agree that, welcome though the £1 million is, even the one suggestion that I have made, which would require £2.5 million to bring it forward to clinical trials, indicates that the sum really is a drop in the ocean. When compared with all other cancers, mesothelioma has traditionally always been at the bottom of the league table in terms of private and public funding.

Lord Bourne of Aberystwyth Portrait Lord Bourne of Aberystwyth
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I think that the noble Lord is being a little inventive in suggesting that we should compel other insurance companies to follow the voluntary effort being made by two. I certainly commend that effort but it is a voluntary one, and there is always room for voluntary effort. We would not want to see insurers having to pass on additional costs of the scheme to their customers. As I say, a hard-fought, robust agreement has been made with the insurance industry. That is not to say that it cannot ever be revisited but, as things stand at the moment, it was set as a cap, not as a budget.