Cost of Motor Insurance

Debate between Tessa Munt and John McDonnell

Tuesday 8th November 2011 Commons Chamber

[John McDonnell]

I fully agree, and that was why, when the proposal for black boxes came up, I thought it was the ideal solution. It would enable someone to demonstrate that they were driving carefully and not at speed. I thought that could have been the technical solution, or at least could have moved us a bit further on. I cannot for the life of me understand why it has not been taken up by the insurance industry as well as it should have been. So far, Co-operative Insurance and others have offered some voluntary schemes, but they do not seem to have had the take-up that they should have done.

The question, then, is how we move forward. We know that a range of solutions could be put in place, and that a technical solution could be introduced on a voluntary basis to give people incentives and reduce their costs. I believe that the next stage is to bring the matter back to the Government. We have tried exhortation in the past, but we need to try it again, as was said earlier. We need another meeting at which we bring all the insurance companies together and exhort them to consider financial incentives for young people. We have such arrangements in acceptable behaviour contracts in other areas. People could sign up to certain behaviour patterns if they so wished, which would enable us to monitor them using technical solutions so that we could reduce their overall insurance costs.

[Tessa Munt (Wells) (LD)]

I wonder whether, when that is being considered, it might be possible to consider the circumstances that two or three of my constituents have found themselves in. Young people have applied for insurance online and the insurance company has agreed a premium and formed a contract with those young people to provide insurance, but has then come back six or eight weeks later with a much increased premium, ostensibly because something was originally incorrect. That has certainly happened to young women in my constituency with the Diamond insurance company.

[John McDonnell]

It is almost like the policy of excess that has been developed for other insurance costs. I believe that the onus is now on the Government to bring the insurance companies in for a thorough discussion about how we can take forward voluntary arrangements. However, there will come a time, which I believe we are nearing, when if we cannot get in place voluntary arrangements and incentives that work, we will have to introduce regulation.

Like many other Members, I cannot cope any more with driving along the road and seeing shrines to people who have died. The number in my area seemed to be peaking at one point, although I have not looked at the recent statistics. A large number of young people were being killed on the roads, and we would drive down the road and see the bouquets of flowers and the pictures of those young people. It relates to the point that the hon. Member for East Antrim (Sammy Wilson) made about youthful exuberance—young people get their first car and are out on the roads, and sometimes it goes to their heads. They might have their friends with them, and unfortunately it often results in tragedy.

Armed Forces Bill

Debate between Tessa Munt and John McDonnell

Tuesday 14th June 2011 Commons Chamber

[Tessa Munt (Wells) (LD)]

I thought this might be a good opportunity to point out that new clause 7 would alleviate some of the difficulties mentioned by the hon. Gentleman. With extensions to education and training in 2013 and 2015 up to the ages of 17 and 18, more young people might find themselves momentarily attracted to joining the forces. They can get through the first part but, as the hon. Gentleman’s point about the young people who have gone absent without leave shows, they sometimes experience a crisis in their lives. New clause 7 would alleviate the problem.

[John McDonnell]

I think that new clause 7 would bring an immense improvement to current practices and I support it, but I object in principle to the recruitment of children into the military. For 13 years, I was the part-time house father of a children’s home when they were run as family units and one could pursue one’s own career while also operating as the father of a family group. In that time we dealt with a large number of young people from extremely disturbed backgrounds and prepared them for fostering into ordinary homes. A number of those who came to us were extremely vulnerable and I remember many of them going into military service at a very young age, almost because they were looking for the security of an institution because they had, frankly, been institutionalised as a result of their lives in care. At the time, I thought those young people were extremely vulnerable and were making the wrong decision. At the age of 16, people are too young to make that major decision to go into the armed forces and put themselves under a disciplinary regime that can result, as it has done, in a number of youngsters being put in corrective establishments. As I have said, some others have been sent to war zones. I would welcome a careful rethink from the Government about this issue and I hope that they will consider coming back with proposals to accept the measures in new clause 7 and to follow other European countries in phasing out the recruitment of children into the Army.