Motor Vehicles (Compulsory Insurance) Bill

Debate between Peter Bone and Lord Spellar

Committee stage
Wednesday 5th January 2022 Public Bill Committees

[Mr Bone]

My right hon. Friend draws attention to something that I will refer to later in my speech. When she hears what I have to say, she will see why in the end that will not be the case.

The significance of this measure is seen in the Government Actuary’s estimate that the increase in premiums to extend coverage following the Vnuk judgment would be about £50 for the average motor car policyholder. The Bill will therefore save the average policyholder unnecessarily increased insurance premiums in already difficult economic times. The cost of living is rising and the Bill is an opportunity to keep pounds in people’s pockets.

You have kindly agreed that clauses 1 and 2 may be debated together, Ms Ali. Clause 1 would insert into the Road Traffic Act 1988 new section 156A, “Retained EU law relating to compulsory insurance”. Subsection (1) limits the insurance obligation under article 3 of the 2009 motor insurance directive to vehicles used on roads and other public places, and to a motor vehicle defined as a mechanically propelled vehicle intended, or adapted, for use on the roads. In effect, it removes the Vnuk interpretation as it applies to the use of vehicles in Great Britain.

Subsection (2) clarifies that the Bill does not affect the provisions requiring insurance policies to include the cover required by the law applicable in the territory where the vehicle is used, or the law applicable where it is normally based when that cover is higher. That means that the liability imposed by the Vnuk interpretation will remain in place for insurance policies covering vehicles in use in EU member states and Northern Ireland.

Subsection (3) concerns the removal of section 4 rights created in the 2008 Lewis v. Tindale case, which found that the interpretation of the 2009 directive in the Vnuk judgment could be enforced directly against the Motor Insurers’ Bureau. The Lewis decision means that the Motor Insurers’ Bureau’s liability for an insurance claim extends beyond the scope of the obligations of the Road Traffic Act and applies to accidents on private land and to vehicles not constructed for road use. Subsection (3) brings an end to the relevant section 4 right to compensation from the Motor Insurers’ Bureau except in the case of motor vehicles on roads or other public places, as defined by the Road Traffic Act.

[John Spellar (Warley) (Lab)]

What the hon. Gentleman is describing is interesting. Given, presumably, the obligation arises from an accident and therefore an injury, who becomes responsible for the injury?

[Mr Bone]

I thank the right hon. Gentleman for a really important question. It is one of the issues discussed when drawing up the Bill. In many cases, such as a public event on private land, there would be insurance cover. It is not currently the case that if someone illegally rides a vehicle on private land, has an accident and causes damage, there is a requirement to be insured for that. The landowner would be liable for the damage, but they do not have to be insured for it. Extending insurance to ride-on lawnmowers or other machines on private land has also been caught by Vnuk.

[John Spellar]

I accept that there is a fundamental problem with how liability insurance works: rather than dealing with often catastrophic injuries through the health service or national insurance, they are dealt with on an insurance basis. Local councils are impacted by that and it stops a lot of activities, because insurance companies prevent them. I accept there is a deeper underlying problem, but ultimately, if there has been an injury and there is some degree of fault, who is liable for the compensation? Is it the landowner? Is it the driver of the vehicle? How can that be resolved?

[Mr Bone]

This is a really important argument. There is a liability, and in each event that will depend on who causes the injury or damage. That person will be liable for the damages. The Bill deals with a slightly different situation where we are not extending compulsory insurance to cover those events. If we did, it would increase premiums by £50 per motorist. I stressed earlier that there is nothing to stop Parliament bringing in compulsory insurance on that basis, but it would have to be done through an Act of this sovereign Parliament that wanted to make that change. The Bill brings things back to where we thought we were, but it does not stop that debate and people can still make that argument. However, it is not really relevant to the Bill, because Parliament never thought that the Road Traffic Act and compulsory third-party insurance applied in the circumstances just described.

Proposed new section 156A(4) similarly provides for the removal of all further case law retained under the European Union (Withdrawal) Act 2018 that could undermine the positions set out in subsections (1) and (3). Any other EU law that we do not know about would not apply if the Bill is passed. Subsection (5) defines the terms used in clause 1, including the 2009 motor insurance directive, relevant section 4 rights, retained case law, and section 4 rights.

Defence Expenditure

Debate between Peter Bone and Lord Spellar

Thursday 27th October 2016 Westminster Hall

[Mr Spellar]

On a point of order, Mr Bone. As we are having a debate on defence, it is perfectly proper for the hon. Gentleman, who is normally much better behaved in the Defence Committee, to make partisan points. What I think is improper and verging on being out of order is then not giving way for a response, because I for one do not believe in unilateral disarmament either in the Chamber or in our defence policy.

[Mr Peter Bone (in the Chair)]

The right hon. Gentleman is very experienced and knows full well that that was in no way a point of order.

Consumer Rights Bill (Carry-Over Extension)

Debate between Peter Bone and Lord Spellar

Monday 12th January 2015 Commons Chamber

[Mr Peter Bone (Wellingborough) (Con)]

The right hon. Gentleman is making an interesting speech. It seems to me that he is arguing for a business of the House committee, which I would of course support him in.

[Mr Spellar]

Most certainly not. I am arguing for an effective Government, but the hon. Gentleman makes an interesting observation, because he is really saying that the driver behind his business of the House committee is the failure of his own Government. He has to consider whether that is a failure arising from the particular circumstances and structure of this unholy coalition, or whether it is down to the deficiencies of the individuals concerned. I think it is probably both, but even within this alliance, which I know he is deeply unhappy with and would like to see ended—it was Government Members who voted for the five-year fixed-term parliaments, which has ossified this Parliament—if there were people there who had some grip on the situation, matters would be improved. Either way, it is clear that the Prime Minister and his fairly undistinguished staff at No. 10 have not got a grip on the situation. Within the House, of course, under all Governments, including much better run Governments, the Leader of the House and the Chief Whip have played key roles, so let us deal with them in turn, starting with the Leader of the House.

I say without any sense of irony that the right hon. Member for Richmond (Yorks) (Mr Hague) was a very good Foreign Secretary. I did not always agree with all his policy, but he was an effective Foreign Secretary who advanced a number of important and noble causes. I pay tribute to him for the redirection and reorientation of the Foreign Office towards using our embassies more to ensure that they sold British goods and services and represented British interests. I am pleased to say, too—I pay tribute again—that he made sure that embassy staff drove British-made cars.

The Leader of the House is also an entertaining speaker. On a day when he is not bored, he is an extremely effective speaker and very fine writer, too. I suspect he will use those talents in the future, and I think it will be a loss both to this House and to the Conservative party when he stands down voluntarily—unlike the Minister, who will be standing down involuntarily—at the next general election.

However, notwithstanding all those qualities, I do not believe that organisation and boring detail are top of the right hon. Gentleman’s agenda, so I do not think that the Leader of the House—in this as in a number of other facets of this zombie Parliament—has got a grip on the pace of the programme of the Government’s legislation.

The Chief Whip is in a slightly different position, along with the deputy Chief Whip, although I see a lack of organisation in what they do. We have seen many examples of them rushing around during votes when they clearly do not have a clue what is going on. They have not been speaking truth unto power, either, when it comes to what can or cannot be done within this House, so they bear some degree of responsibility for what has happened.

We are having to spend some time this evening examining these issues not just because of one Bill. Rather, it is because of a systemic problem in the Government that is, frankly, not helping Parliament, not helping proper debate, not helping the progress of legislation and not helping the bringing forward of measures to deal with the problems facing this country. Thus, I am pleased to say, we now have a useful opportunity to examine all that, and I hope that my hon. Friend the Member for North Durham will be able to deal with it in more detail in his contribution.

--- Later in debate ---

[Mr Bone]

May I state categorically that I have never received such a letter from the Chief Whip?

[Mr Spellar]

He does not include the hon. Gentleman.

[Mr Bone]

He would prefer me to stay away much more often.

Sittings of the House (22 March)

Debate between Peter Bone and Lord Spellar

Wednesday 6th March 2013 Commons Chamber

[Mr John Spellar (Warley) (Lab)]

This really is a most curious debate. We managed to tease out the information from the Leader of the House, slightly reluctantly on his part, that he seemed not to have been aware before he spoke that the Chancellor had announced the date of the Budget. He can rightly say, to some extent, that perhaps that should have meant that the motion would be opposed. Frankly, however, as I said to him from a sedentary position, it is the job of the Government business managers—the Leader of the House, the Chief Whip and their very able and extensive staffs—to look out for these things, let alone, perhaps, those who are in charge of the grid at No. 10, if anybody is. This is not just about the simple issue of not having a whole series of clashing announcements on one day; it is about the good management of business and the stress-testing of propositions before they see the light of day.

[Mr Bone]

Does the right hon. Gentleman agree that none of these problems would arise if we had a House business committee? Then it would not just be a case of the Executive trying to force through such changes but of also having a committee to which every Back-Bench Member could make representations. Would that not be the answer?

[Mr Spellar]

In this context, I am not criticising the Executive for forcing things through but for not being on top of the job. Unfortunately, that is only too typical these days in a whole number of areas. There were several examples with the last Budget, where there were clearly issues that should never have got to the Chancellor of the Exchequer or the Chief Secretary, or perhaps even other Ministers. They should have been knocked out long before by Treasury officials or special advisers.

Treaty on Stability, Co-ordination and Governance

Debate between Peter Bone and Lord Spellar

Wednesday 29th February 2012 Commons Chamber

[Mr Bone]

The hon. Gentleman is psychic, because that was the very point I wanted to come on to. It is ridiculous that we are not having such debates and it is even more ridiculous to suggest that they should be scheduled by the Backbench Business Committee. Everyone knows that the Backbench Business Committee is supposed to get 35 days a year, but that has not happened in this double Session of Parliament. I am very pleased to see the Leader of the House pay close attention to the debate and it would help the House enormously if the Committee had the days marked in advance. If that were the case, perhaps the Backbench Business Committee could put on such debates, because we would at least know in advance that we had the days. We did not have a day before the summit on which we could have scheduled this debate. That is not the issue, however. This debate should not be put on by the Backbench Business Committee but by the Government, and it should be on an amendable motion rather than a “take note” motion. I agree entirely with that point.

Let me briefly mention the veto. The Prime Minister rightly vetoed the EU treaty, and no one can pretend that this is an EU treaty—it clearly is not, because we vetoed it. It is also clear that the Prime Minister and the Government believed that the EU institutions could not be used.

[Mr John Spellar (Warley) (Lab)]

rose—

[Mr Bone]

I shall give way in a moment. As on any other occasion when the EU is defeated, the EU has ignored that and carried on as if the rules were not there.

[Mr Spellar]

I think that the hon. Gentleman might just have answered my question. He was stridently asserting that the Prime Minister had asserted his veto, and I wanted to know what he had vetoed and what effect it had had.

[Mr Bone]

I do not honestly believe that the right hon. Gentleman, who has sat all through this debate, could possibly not understand what the veto is about. The Prime Minister quite clearly vetoed the treaty so it could not be an EU treaty. That is what happened. That is why the British people were 100% behind the Prime Minister and why coalition Members—or at least the Conservative coalition Members—were wholly supportive of him. He had a better reception for that veto than for any other of the very good things he has done as Prime Minister.

The next issue is whether the treaty will work. I am sorry that the hon. Member for Rhondda (Chris Bryant) is not in his place, but he made a very good point when he said that there were two ways of looking at this matter. One was that we could create this European political and economic union dominated by Germany and that the euro would work. I do not think there is any chance of that system working and it would actually result in the greatest political unrest in Europe since the second world war.