(7 years, 5 months ago)
Public Bill CommitteesOf course, the hon. Gentleman is right; we will deal with negligence later when debating clause 3. However, that is precisely why I referred to the vagaries of human behaviour. I will give him an example of language, how we use it and how it can be misunderstood. There is a well-known incident involving someone who was maintaining an aircraft. It said in the manual, when inspecting a piece of the aircraft, to remove that piece, to inspect it, and, if faulty, to replace it. That is what the individual did; they took it out, inspected it, found it was faulty and replaced it back into the aircraft. That is the language and those are the vagaries of human behaviour. In terms of the legal technicalities, the hon. Gentleman is quite right, but I am talking about human behaviour, which is sometimes different. Fortunately for me, though not the individuals involved, I made a living out of that, because I was a personal injury lawyer and people did strange things.
I do not doubt that the hon. Gentleman is relating a tale from his direct experience that is therefore true. I just say, as a chartered aerospace engineer, that the terminology was always very clear—taking a component out and placing it back where it had been was refitting, not replacing. Replacing was taking a component out and putting another back.
Order. I am reasonably content to allow something of a stand part debate, but you must refer to the clause itself or amendment 17. We are drifting rather wide of the topic under discussion.
(7 years, 5 months ago)
Public Bill CommitteesQ I have three quick points for Mr Howarth. First, the Bill talks about the vehicle being insured as opposed to what currently happens, from my understanding, which is that driver is insured. So I have policy motor insurance that enables me to drive certain vehicles, including my principal one. Is the insurance industry happy with what appears to be a change in focus—that is it now on the vehicle rather than the driver?
Ben Howarth: I think it is not a huge change in focus. In practice, the enforcement that industry currently does—via the motor insurance bureau—to check that you have insurance is done via the vehicle. It is done by checking licence plates. The responsibility is on the human driver, but the practical enforcement is to check whether that car, on the road, at that time, is covered by insurance. This Bill is primarily designed for vehicles that will be manually driven some of the time and automated some of the time. It is just the practicality that, once you are switching to an automated car, you need to be thinking about the car rather than the driver.
(8 years, 10 months ago)
Commons ChamberI agree with my hon. Friend on that. It is no coincidence that my hon. Friend the Member for Walthamstow (Stella Creasy) is in her place tonight, as she has done sterling work on trying to stand up for the financially disadvantaged. I thank her for her work on so-called “payday lenders”, because when I tried as a Back Bencher under the last Labour Government to amend a Finance Bill to give the Government the power—just the power—to cap payday loan rates, I could not get a Labour Government to go even that far. She has done magnificent work because, as my hon. Friend the Member for Stockton North (Alex Cunningham) said, this is to do with protecting the financially vulnerable. That is why it is a big step forward. I congratulate the Government on introducing the safeguard that an assessment must be made of the vulnerability or otherwise of the alleged debtor and that that assessment must be recorded in writing.
I can scarcely believe my ears. I think that the hon. Gentleman is congratulating the hon. Member for Walthamstow (Stella Creasy) on helping a Conservative-led Government do more to protect the poorest in our society than a Labour Government would do. Have I heard him correctly?
In that particular respect, the hon. Gentleman has heard me correctly. However, if he had heard my earlier remarks, he would also be aware of my great unease at many other policies put forward by the current Government as well as by the previous Conservative-led Government. But in the narrow respect to which he refers, he did understand me correctly.