That this House notes with deep regret the recent tragic death of 12 year old Amy Houston in a road traffic accident; notes that the driver of the vehicle had already been twice banned from driving; believes that the sentence of four months imprisonment which he received was woefully inadequate; believes that there should be a separate offence of causing death with a vehicle whilst banned from driving, and that such an offence should carry with it a serious custodial sentence; and calls on Her Majesty's Government to bring forward proposals to amend the law as a matter of urgency.

That this House notes with deep regret the recent tragic death of 12 year old Amy Houston in a road traffic accident; notes that the driver of the vehicle had already been twice banned from driving; believes that the sentence of four months imprisonment which he received was woefully inadequate;...

That this House notes that one in 20 of the motorists currently on Britain's roads are driving uninsured, and that according to the RAC law-abiding drivers will soon have to pay an extra ??60 on their insurance policies to cover the cost of uninsured drivers, with the death, damage and injury that uninsured drivers cause costing ??1 billion; regrets that the public and authorities have no easy means of identifying uninsured drivers; therefore supports proposals to make it compulsory for drivers to display a simple disc on their windscreens as proof of valid insurance; notes that RAC research shows that 87 per cent. of drivers would support a disc if it leads to lower insurance premiums, and that there was strong support for the Motor Vehicle Insurance Disc Bill, which received its First Reading on 28th January; believes that this should be accompanied by stronger punishments for insurance evasion, including larger fines, driving bans, community service, and custodial sentences for repeat offenders, because current penalties, which are often only around ??150, do not work as a deterrent, welcomes the Government-initiated review of these issues being conducted by Professor David Greenaway of Nottingham University; hopes that Professor Greenaway will recommend schemes similar to those operating abroad, where insurance disc schemes work well and there is less insurance evasion; and calls on the Government to support such proposals.

That this House notes that one in 20 of the motorists currently on Britain's roads are driving uninsured, and that according to the RAC law-abiding drivers will soon have to pay an extra ??60 on their insurance policies to cover the cost of uninsured drivers, with the death, damage and...

That this House welcomes the recent campaign 'Safer, Cheaper, Legal' by the Association of British Insurers to draw attention to the UK's high levels of uninsured driving and to promote policy proposals contained in submissions to the Greenaway Review established by the Department of Transport; notes that in Britain today approximately five per cent. of motorists on our roads are currently driving without insurance, which costs policyholders around ??500m a year in compensation payments for injury or property damage equivalent to around ??30 on every motor premium; recognises that systems need to be introduced to stop such practices which cause misery and damaged lives to many; and calls upon the Government quickly to establish links between the existing DVLA and motor insurance databases, so that a system of continuous monitoring and enforcement can be introduced.

That this House welcomes the recent campaign 'Safer, Cheaper, Legal' by the Association of British Insurers to draw attention to the UK's high levels of uninsured driving and to promote policy proposals contained in submissions to the Greenaway Review established by the Department of Transport; notes that in Britain today...

That this House notes that motorists who are the victims of accidents caused by uninsured and untraced drivers face increases on their premiums through no fault of their own; and calls for the uninsured drivers agreement and untraced drivers agreement between the Government and the Motor Insurers Bureau to be amended to prevent innocent motorists' premiums being arbitrarily increased as a result of being victims of accidents caused by uninsured or untraced drivers.

That this House notes that motorists who are the victims of accidents caused by uninsured and untraced drivers face increases on their premiums through no fault of their own; and calls for the uninsured drivers agreement and untraced drivers agreement between the Government and the Motor Insurers Bureau to be...

That this House notes with concern the increasing difficulty in securing employer liability insurance currently affecting companies in a wide range of high-risk sectors including mining and quarrying, rail maintenance, construction and children's homes, as insurers, including Lloyd's syndicates, refuse to renew policies or charge huge increases; further notes that, due to its compulsory nature, companies unable to place insurance are being forced to close; believes that the collapse in the employer liability insurance market, and the related crisis in public liability insurance, requires an urgent government response; recommends as an emergency measure that the Government becomes an insurer of the last resort for mandatory cover using the Contingency Reserve of the Consolidated Fund; urges the Government to announce a comprehensive review of cartel-like behaviour and profit-premium ratios in the insurance sector with a view to ensuring reasonable insurance cover is available in the medium term; and calls on the industry itself to price its policies rationally and to recognise its responsibility to its customers and to the wider community.

That this House notes with concern the increasing difficulty in securing employer liability insurance currently affecting companies in a wide range of high-risk sectors including mining and quarrying, rail maintenance, construction and children's homes, as insurers, including Lloyd's syndicates, refuse to renew policies or charge huge increases; further notes that,...

That this House notes with concern that 10 per cent. of households in the United Kingdom face a significant risk of flooding; recognises the severe difficulties facing families who are unable to insure their homes; condemns the Internet insurance firm, E-sure, for refusing to offer household cover to people living in areas prone to flooding; and applauds the rest of the UK insurance industry for standing by the agreement that was made with the Government in the winter of 2000 to continue to provide flood cover to homes and small businesses.

That this House notes with concern that 10 per cent. of households in the United Kingdom face a significant risk of flooding; recognises the severe difficulties facing families who are unable to insure their homes; condemns the Internet insurance firm, E-sure, for refusing to offer household cover to people living...

That this House recognises with concern that amateur football clubs affiliated to the Football Association are, at present, not obliged to belong to an insurance scheme, which can leave a player who suffers a serious injury without financial security; notes that this was the case for young North Norfolk amateur footballer Richard Butler, who had to have a leg amputated following a serious injury during a match in 1997; recognises that the FA has been involved in discussions with insurance companies with a view to a scheme being set up, but registers its disappointment that these discussions have not yet reached a successful conclusion; and calls on the Government to bring pressure to bear on both the FA and insurance companies to reach an agreement, in order that the many thousands of people who participate in our national sport every week benefit from appropriate insurance cover.

That this House recognises with concern that amateur football clubs affiliated to the Football Association are, at present, not obliged to belong to an insurance scheme, which can leave a player who suffers a serious injury without financial security; notes that this was the case for young North Norfolk amateur...

That this House notes with concern that former employees face considerable difficulty in identifying the insurers responsible for employers' liability insurance where a company has gone into liquidation and that legitimate compensation claims applicable to a period when an insurance company has accepted a premium for employers' liability are thereby frequently impeded; and accordingly considers that investigation should be undertaken into the practicability of requiring the name of the insurer responsible for providing employers' liability insurance to be included as a mandatory item in company annual reports.

That this House notes with concern that former employees face considerable difficulty in identifying the insurers responsible for employers' liability insurance where a company has gone into liquidation and that legitimate compensation claims applicable to a period when an insurance company has accepted a premium for employers' liability are thereby...

That this House notes that in the Sunday Times, 21st May 1995, according to the Prospero Direct Insurance Company's allegedly super-accurate new rating system, Villiers Close in Leyton is classified as the second worst street in Britain for crime; notes, however, that Superintendent W.J. Poulter, Divisional Commander of the Metropolitan Police, has conducted research on the incidence of crime in the area reported to the police and declared that he is confused as to why Villers Close has been singled out and stigmatised, suspecting that the criteria used by Prospero could relate to the value of claims and that a fire, such as had occured in Villiers Close, could seriously skew the data; notes that the allegation is not only untrue and a slur on the area but also that such false assessments results in residents unfairly having to face sky-high contents insurance bills; and calls for a Department of Trade and Industry investigation of this matter.

That this House notes that in the Sunday Times, 21st May 1995, according to the Prospero Direct Insurance Company's allegedly super-accurate new rating system, Villiers Close in Leyton is classified as the second worst street in Britain for crime; notes, however, that Superintendent W.J. Poulter, Divisional Commander of the Metropolitan...

That this House calls on David Coleridge, Chairman of Lloyd's and the Committee to make an immediate statement condemning the use by working members of family or offshore trusts, or other devices, to divest themselves of assets which might otherwise have been vulnerable to the market's unlimited liability, while many external Names face a liability which extends to their cuff-links; and demands the instant resignation of any working underwriters who has thereby cheated the external Names of Lloyd's by behaving in such a dishonourable way in breach of the trust on which the market has been built.

That this House calls on David Coleridge, Chairman of Lloyd's and the Committee to make an immediate statement condemning the use by working members of family or offshore trusts, or other devices, to divest themselves of assets which might otherwise have been vulnerable to the market's unlimited liability, while many...

That this House calls on the Secretary of State for Trade and Industry to set up an inquiry into detailed complaints by Tory honourable Members against Lloyd's and to see if there is a need to change the current legislation so as to provide protection for and fairness between the Names.

That this House calls on the Secretary of State for Trade and Industry to set up an inquiry into detailed complaints by Tory honourable Members against Lloyd's and to see if there is a need to change the current legislation so as to provide protection for and fairness between the...

That this House is concerned at the reasons behind the recruitment of small investors in the 1980s with only a bank guarantee of ??100,000 on their house; wonders why Lloyd's allowed small investors to be dragged into membership on the basis of receiving a 'protected' 10 per cent. return on ??250,000 underwriting in year three with the recruiting agent arranging a mortgage to cover the Lloyd's ??3,000 joining fee and the first three years of stop loss premium; wonders why Lloyd's encouraged financial 'advisers' to earn ??1,000 for each member they introduced plus 10 per cent. of the member's agent's subsequent salary and profits; and is concerned that this might be because Lloyd's had a warning from the unpublished Yale University report at the beginning of that period that huge claims were coming from the United States of America for the predicted 265,000 American asbestos deaths over a period of 25 years and because Lloyd's wanted to find a pool of new people to absorb the claims on Lloyd's past insurance business for which others had taken premiums in the 1950s and 1960s.

That this House is concerned at the reasons behind the recruitment of small investors in the 1980s with only a bank guarantee of ??100,000 on their house; wonders why Lloyd's allowed small investors to be dragged into membership on the basis of receiving a 'protected' 10 per cent. return on...

That this House regrets that Lloyd's Council allows agents, acting for all members, to reserve preferential access for themselves on certain safe syndicates and that the practice of keeping highly profitable baby syndicates only for insiders has continued under another guise and that certain syndicates have over 50 per cent. capacity from insiders whereas the average is 12 per cent; notes that allegations have been put to the Chairman of Lloyd's that amongst the insider syndiates are 45 Bankside, 138 Bailey, 179 Anton, 183 Ashley, 372 Claremont, 431 Wren, 960 Sturge, 990 Morgan, 994 Kellett and 1028 Wellington; notes that it is alleged that market professionals took 100 per cent. of any available underwriting in 1989 and 1990 on some of these, irrespective of promises of waiting lists; notes that questions as to why the disastrously bad syndicates are composed almost entirely of external or retired members have not been answered by the Chairman of Lloyd's to the satisfaction of Tory honourable Members; notes claims that no director of any managing agent, other than the victim syndicate agency, is on any of the dustbin syndicates; and believes that Lloyd's are obscuring the favourable results of the current insiders by classifying some people who have made losses as working members even though they retired some time ago.

That this House regrets that Lloyd's Council allows agents, acting for all members, to reserve preferential access for themselves on certain safe syndicates and that the practice of keeping highly profitable baby syndicates only for insiders has continued under another guise and that certain syndicates have over 50 per cent....

That this House notes with alarm that Mr David Coleridge, the Chairman of Lloyd's, who reputedly earns ??800,000 plus profits, was accused at a meeting with Tory honourable Members of not being on the side of the primacy of the interests of the Names at Lloyd's; notes that Tory honourable Members are meeting the Minister of State at the Department of Trade and Industry to present an indictment of Lloyd's which concludes with the rhetorical question 'Is there not a structural rottenness over the conflicts of interests of the regulators within Lloyd's which can only be met by outside regulation under the Financial Services Act?'; notes allegations that 153 underwriters each took over ??100,000 in fixed salary from their syndicates and that Brian Smith of syndicate 45 had a personal underwriting result of ??213,422 for 1988 when the average external member had a substantial loss and 6,000 mostly external members have had calls from Lloyd's of over ??90,000; notes allegations that 'Time Bomb Terry' Green of 321 who paid himself ??353,220 in 1990 is having to call in ??26 million in advance against 1989 and 1990 years after stating in his last report and accounts that these years would be free of loss; and wonders if Lloyd's should arrange a pooling of the LMX losses dumped on external members.

That this House notes with alarm that Mr David Coleridge, the Chairman of Lloyd's, who reputedly earns ??800,000 plus profits, was accused at a meeting with Tory honourable Members of not being on the side of the primacy of the interests of the Names at Lloyd's; notes that Tory honourable...

That this House refuses to hand over taxpayers' money to the Lloyd's insurers who have gambled and lost; draws attention to the fact that millions of people gamble on football, horses and dogs and never expect the Government to bail them out when bets are lost; and demands that those who use the posh gambling den at Lloyd's should neither expect nor receive special treatment from other taxpayers.

That this House refuses to hand over taxpayers' money to the Lloyd's insurers who have gambled and lost; draws attention to the fact that millions of people gamble on football, horses and dogs and never expect the Government to bail them out when bets are lost; and demands that those...