argyrotsipi/train-dataset huggingface dataset:
Civil Liability Bill [Lords] — House of Commons, 2018-09-04
Topic: Domestic Commerce
David Michael Gauke (Conservative, Centre-right): I think that it would be fair to say that personal injury lawyers have demonstrated adaptability in recent years and that the sector has proved to be resilient. Of course, the purpose of our compensation regime and insurance system is to ensure that those who should be compensated are compensated, and that is what we seek to do. As I said in response to the intervention of my hon. Friend the Member for Henley (John Howell), it is also right that we do not over- compensate The Bill contains provisions requiring the Lord Chancellor to review the rate promptly after Royal Assent and then at least once every five years, again providing greater certainty and clarity. Following amendments accepted by the Government in the other place, the first review will continue the current arrangements under which the Lord Chancellor consults the Government Actuary and Her Majesty’s Treasury before setting the rate. This will enable the benefits of the new system to be realised as soon as possible. All further reviews by the Lord Chancellor must be undertaken in consultation with an independent expert panel, chaired by the Government Actuary I stress that the Bill will not change the important role played by periodical payment orders, which account for a significant proportion of the compensation paid for future loss in cases involving the most serious and life-changing injuries. PPOs protect claimants against the risk inherent in relying on the investment of lump sums to produce a stream of income to meet their needs as they arise. PPOs are and will remain available in the vast majority of the highest-value NHS clinical negligence claims against hospitals, including those involving brain damage during childbirth, and in the large majority of long-term serious injury cases where the defendant is insured by a UK-regulated insurer.
Civil Liability Bill [Lords] — House of Commons, 2018-09-04
Topic: Domestic Commerce
Robert James MacGillivray Neill (Conservative, Centre-right): The Lord Chancellor is being very helpful. I welcome what he says about periodical payment orders, because they are a significant transfer on to the insurance company away from the person who is awarded, in terms of both investment and the longevity risk. Will he make it clear—as the noble Lord Keen indicated in the other House—that when he sets the discount rate, having taken the advice of the panel as part of the Government action, he does so as Lord Chancellor in his own right, and not on behalf of the Government? That point was raised by a number of noble lords in the other House when it was said that this decision is taken not for Treasury or governmental reasons, but on the basis of that advice, by the Lord Chancellor in his capacity as Lord Chancellor, almost quasi-judicially.
Civil Liability Bill [Lords] — House of Commons, 2018-09-04
Topic: Domestic Commerce
David Michael Gauke (Conservative, Centre-right): To be clear, we have taken robust action to deal with this issue. I would defend the Financial Guidance and Claims Act, which was a substantial step forward in ensuring that we do not see the abuses that we, in all parts of the House, are concerned about Legislating to ensure that genuine whiplash claims are backed up by medical evidence and that claimants receive proportionate compensation will reduce the number and cost of whiplash claims. This will allow insurers to pass on savings to consumers. As I have said, three quarters of the UK motor and liability insurance market has already publicly committed to doing so. In changing the system by which the discount rate is set, we want to continue to ensure fairness so that those who suffer serious long-term personal injury get full and fair compensation within a more informed and transparent system in which the rate is set by the Lord Chancellor at regular intervals with the benefit of independent expert advice. The prospect of the reforms we are proposing both to whiplash claims and to the discount rate has, according to the recent AA British insurance premium index, already triggered a fall in premiums in the expectation that claim costs will fall. I commend the Bill to the House.
Civil Liability Bill [Lords] — House of Commons, 2018-09-04
Topic: Mixed Topics
Victoria Grace Ford (Conservative, Centre-right): I agree that people who are injured should receive fair compensation, but when 47p of every pound paid out is going to lawyers, does the hon. Gentleman not agree that unless we reform this, we risk finding that young drivers and vulnerable people cannot get affordable insurance?
Civil Liability Bill [Lords] — House of Commons, 2018-09-04
Topic: Domestic Commerce
Alberto Castrenze Costa (Conservative, Centre-right): I am afraid that because of time constraints I will not I welcome comments the Secretary of State made in answer to Opposition Members. He said several times that the insurance industry would be properly held to account. The Government will bring forward amendments to hold the industry to account for its assurances. On that basis, I feel able to support the Government on Second Reading—on the basis that, as the Bill progresses, those assurances by the insurance industry will be translated into words that we can approve in this place The Secretary of State rightly used the word "fraud" at the outset. This is where I differ slightly from the hon. Member for Cardiff Central when she talked about the ABI’s own figure that 0.3%, I think, of claims were fraudulent. It is my view that the insurance industry, as well as the enforcement agencies, including the police, has been reluctant to tackle fraud because of the cost and that therefore we are not seeing the real numbers for fraud There is unquestionably fraud, and wherever possible I have encouraged the insurance industry to tackle it more effectively, but we also need to acknowledge that there is a problem with claims management companies. I am talking not about regulated persons, like the hon. Lady, me and other hon. Members, but about cowboys—people who are not authorised persons under the Legal Services Act 2007 and who often act outside this jurisdiction. I have received numerous calls from individuals whom I suspect are based outside any of the UK’s legal jurisdictions—they use sophisticated telephony systems. I wrote to Ofcom, British Telecom, my own mobile service provider and the Information Commissioner’s Office to find out where the numbers originated, and I was told that they were spoof numbers. The problem is there is an industry of unregulated and unauthorised non-lawyers preying on vulnerable people and abusing the system. We have to recognise and tackle that Mindful of the time, I will make one final comment that I invite the Minister to consider. The changes that the Government propose that will benefit the British insurance sector will affect the Scottish and English legal systems differently. Let us consider someone with a car insurance policy. The Minister could be travelling from his wonderful constituency of Penrith to his family home in Perthshire, and the oddity is that if he has an accident in the middle lands, as he termed them once, he might get a certain amount of money for a soft tissue injury from a particular insurer, and yet just a couple of kilometres along the road, under the Scottish legal system, the same insurance company might have to pay out considerably more. I ask him to bear in mind the imbalance that that might create in the insurance industry.
Civil Liability Bill [Lords] — House of Commons, 2018-09-04
Topic: Domestic Commerce
Chris Ian Brian Mynott Philp (Conservative, Centre-right): I will give way in a moment. The hon. Member for Jarrow also said that judges have decided that injuries—[Interruption.] I am grateful for the heckling from my own side. The hon. Member for Jarrow said that judges had made these compensation awards, but of course that is not true: under qualified one-way costs shifting, insurance companies have a massive financial incentive to settle even claims without merit before they go to court, because even if they win they pay the costs and the costs are often much bigger than the value of the claim. So insurance companies simply settle the claim without a medical examination and without it ever going to court. Therefore, all these compensation claims have not been adjudicated by a judge, although the hon. Gentleman erroneously suggested that they had; they are simply settled immediately because that is the cheapest way of doing it. There is no judicial intervention in almost any of these cases.
Civil Liability Bill [Lords] — House of Commons, 2018-09-04
Topic: Domestic Commerce
Chris Ian Brian Mynott Philp (Conservative, Centre-right): The hon. Member for Hammersmith (Andy Slaughter) said that, at £250 million a year, the insurance industry was making excessive profits. Bearing in mind that there are 25 million cars in the UK, that works out at a profit of £10 per insurance policy. That is hardly profiteering, is it?
Civil Liability Bill [Lords] — House of Commons, 2018-09-04
Topic: Domestic Commerce
Kwasi Alfred Addo Kwarteng (Conservative, Centre-right): I would not have thought that it could be described as profiteering. It is a legitimate business. I know that many Opposition Members do not even believe in private enterprise or business. [Interruption.] They do not like that. They laugh rather nervously at my suggestion, but we know exactly where they stand. The idea that companies should make a profit—heaven forbid—is anathema to them. This is a party whose shadow Chancellor is, I believe, listed in "Who’s Who" as wanting to overthrow the capitalist system. He is an out and out Marxist. We can laugh at these things, but they are on the record, and it is actually very serious The insurance company is a success story. It does make profits, but we have to recognise and be very honest about the fact that whiplash claims are, in many instances, fraudulent. People in this House have described how they have been cold called. I have been sent countless emails asking me to claim compensation for accidents that I did not even know I was involved in and I think many other people have similar experiences. This is a timely piece of legislation. I am delighted that, after many years, we will tackle this issue I just want to touch briefly on the discount rate. I remember when it was reduced a little more than a year ago—I think it was in February last year—that there was huge concern about the very low rate. I believe that it was a negative rate. That was not remotely sustainable and I am delighted that the Government’s legislation is trying to put the discount rate issue on a more sustainable and rational basis. There is little to disagree with in the Bill. It is a good piece of legislation and I am very happy to support it on Second Reading.
Civil Liability Bill [Lords] — House of Commons, 2018-09-04
Topic: Domestic Commerce
Roderick James Nugent Stewart (Conservative, Centre-right): This may be a naive question, but it seems as though two different arguments are being made by Opposition Members. There was a suggestion from the hon. Member for Jarrow (Mr Hepburn) that the direction of the insurance companies is to try to stop anybody claiming. The hon. Lady seems to be arguing that the insurance companies are also fuelling these claims. Can she explain that paradox? How can they can be involved in both at the same time, and how does that work for them financially?
Civil Liability Bill [Lords] — House of Commons, 2018-09-04
Topic: Domestic Commerce
Roderick James Nugent Stewart (Conservative, Centre-right): This is a sincere question. The suggestion made by the hon. Member for Jarrow and a number of others is that the entire profit model of the insurance companies is based on charging big premiums and trying to minimise the number of claims, and that that is how they make money. The suggestion is that the entire Bill is driven by the insurance industry trying to stop anybody making claims. At the same time, perfectly reasonably, you are making the argument that the insurance companies are trying to support claims. How do they—
Civil Liability Bill [Lords] — House of Commons, 2018-09-04
Topic: Other
John Simon Bercow (Conservative, Centre-right): In the thitherto unimaginable scenario that Members do not wish to listen to the hon. Member for Oxford West and Abingdon (Layla Moran), they can leave the Chamber quickly and quietly, so that the rest of us can enjoy her mellifluous tones.
Technology — House of Commons, 2018-07-04
Topic: Civil Rights
Harriett Mary Morison Baldwin (Conservative, Centre-right): I thank my hon. Friend for highlighting such an important issue. As someone who is extremely myopic, I benefit from glasses. This is an incredibly important aspect of what we can do, and at this month’s disability summit the world will be coming together to pledge what more it can do to help with people’s inclusion around the world, and certainly vision will play a key role.
Technology — House of Commons, 2018-07-04
Topic: Mixed Topics
Harriett Mary Morison Baldwin (Conservative, Centre-right): The hon. Gentleman is absolutely right to draw attention to the challenges posed by climate change, particularly to the countries nearest the Sahara. UK Aid is working very closely with them, and investments in technology are helping to address that and provide drinking water for many hundreds of thousands of people in sub-Saharan Africa.
Venezuela: Vulnerable People — House of Commons, 2018-07-04
Topic: Immigration
Alistair James Hendrie Burt (Conservative, Centre-right): The hon. Gentleman is right to highlight the regional crisis and the growing global problem of refugees in relation to the length of time they stay in host states and their prospects of returning. Venezuela is not the only affected area. We continue to support UN agencies in relation to this, and we are playing a leading part in creating the new compact for refugees.
Orphanages — House of Commons, 2018-07-04
Topic: Mixed Topics
Gary Nicholas Streeter (Conservative, Centre-right): I am sure the Secretary of State shares my horror at recent reports about the sex trafficking and exploitation of children in unmonitored orphanages. Is this not something that the international community should look to stamp out, and will she do her utmost to move it up the global political agenda for action?
Access to Education — House of Commons, 2018-07-04
Topic: Mixed Topics
Harriett Mary Morison Baldwin (Conservative, Centre-right): The hon. Gentleman raises an important issue, and I can reassure him that DFID does not fund the production of any textbooks in Pakistan that contain any bias against religious minorities. I can also confirm that in terms of our support for education in Pakistan, we support independent evaluations—
Rohingya Refugees in Bangladesh — House of Commons, 2018-07-04
Topic: Immigration
Alistair James Hendrie Burt (Conservative, Centre-right): The hon. Lady is right, and we are already working with other agencies on the fact that the refugees are likely to be there for much longer than people would originally have expected. It is still important that they are safe to return to Myanmar, but if that is not possible, we will indeed be working with others to make sure they are as safe as possible where they are.
Topical Questions — House of Commons, 2018-07-04
Topic: Civil Rights
Penelope Mary Mordaunt (Conservative, Centre-right): [In British Sign Language]: On 24 July, we will hold a global disability conference here in London, organised by the UK Government, by the Kenyan Government and by the International Disability Alliance. For too long, in the world’s poorest countries, disabled people have not been able to reach their full potential because of stigma or not enough practical support. I am proud to be focused on this area, which has been neglected for too long. The conference will support the global effort to advance disability inclusion for some countries’ most vulnerable people. [Applause.]
Topical Questions — House of Commons, 2018-07-04
Topic: Mixed Topics
Questions: Reuters has reported that fighting in Hodeidah has forced around 2,000 high school students to take a dangerous six-hour journey across mountains to sit their exams in Sana’a, but more than 2 million children are reported to be out of school in Yemen, and the conflict is having a profound effect on their education. What are the Government doing to end the conflict?; I know through personal experience the good work DFID does with the Foreign Office in promoting trade with developing countries. Will the Secretary of State continue to work with the Foreign Office to make sure we offer better trade deals to developing countries, particularly those in Africa, than they currently have with the European Union?
Penelope Mary Mordaunt (Conservative, Centre-right): As I said, leaving the EU affords us the opportunity to develop our own trading deals with those nations. We work incredibly closely with the Foreign Office, including through our ministerial teams coming together once a week to discuss these matters.
Topical Questions — House of Commons, 2018-07-04
Topic: Mixed Topics
Questions: Reuters has reported that fighting in Hodeidah has forced around 2,000 high school students to take a dangerous six-hour journey across mountains to sit their exams in Sana’a, but more than 2 million children are reported to be out of school in Yemen, and the conflict is having a profound effect on their education. What are the Government doing to end the conflict?; I know through personal experience the good work DFID does with the Foreign Office in promoting trade with developing countries. Will the Secretary of State continue to work with the Foreign Office to make sure we offer better trade deals to developing countries, particularly those in Africa, than they currently have with the European Union?; The recent aid transparency index showed DFID a commendable third but the FCO a poor 40th in the global rankings of aid agencies. Can the Secretary of State explain the discrepancy between the two and ensure that all UK aid spend meets the same standards of quality, poverty reduction and transparency?; Building on the Government’s efforts to tackle modern slavery in the UK, will the Secretary of State update the House on what steps she is taking to tackle modern slavery overseas?; Ministers will be aware that as we speak the bulldozers are moving into the Palestinian settlement of Khan al-Ahmar. That will lead to the forced displacement of the residents there, in a clear breach of international law. Will the Minister assure me that we are on the ground now, gathering evidence of these breaches of law, so that those who are responsible will later be legally accountable?; At the recent royal highland show, a number of excellent charities were exhibiting, including the Scottish-based landmine clearance charities the HALO Trust and World Vision. Will the Minister reassure the charities and me that this Government will continue to be committed to the 0.7% international aid budget and the support they give to these charities?
Penelope Mary Mordaunt (Conservative, Centre-right): Absolutely; that is our policy. I will be visiting the HALO Trust tomorrow. It does a tremendous amount of work de-mining in many parts of the world, and it is a very valued partner of ours.
Engagements — House of Commons, 2018-07-04
Topic: Mixed Topics
Theresa Mary May (Conservative, Centre-right): My understanding is that although the hon. Gentleman says that the money has come to the Government, it has actually gone to the Crown Estate, but I am happy to look into that and clarify that point for him in writing.
Engagements — House of Commons, 2018-07-04
Topic: Mixed Topics
Questions: After last night, I am sure that there is one question I do not need to ask the Prime Minister, which is whether she believes that football is coming home. I will ask her, though, whether she agrees that another great victory for our United Kingdom is the BAE contract. What does she think that means for jobs up and down the country in the manufacturing supply chain after we leave the EU?
Theresa Mary May (Conservative, Centre-right): I have made the point on two occasions about the responsibilities that others have in relation to buses. The right hon. Gentleman might, for example, look at what the Mayor of London—who when I last looked was a Labour politician—is doing in relation to buses in London. The right hon. Gentleman talks also about the impact of fares on lower-income people. It is important that we consider the situation of people who are on low incomes. That is why it is this Government who introduced the national living wage and have increased the national living wage. That is why it is this Government who have taken 4 million people out of paying income tax altogether. That is helping people on low incomes in this country.
Engagements — House of Commons, 2018-07-04
Topic: Other
Questions: After last night, I am sure that there is one question I do not need to ask the Prime Minister, which is whether she believes that football is coming home. I will ask her, though, whether she agrees that another great victory for our United Kingdom is the BAE contract. What does she think that means for jobs up and down the country in the manufacturing supply chain after we leave the EU?; You wait for a bus question and seven come along at once; there is another one coming now. This morning, my office manager walked from Delabole to Sir James Smith’s School. This is a route that Cornwall Council has deemed to be safe and within Government guidance, and parents have been refused free public transport for their kids. At three miles there and three miles back, the road has no pavements and no street lighting. In winter months, the children will be asked to walk to and from school in the dark on a single track road alongside cars, tractors and lorries. There are similar stories all around Cornwall. Will the Prime Minister look at this guidance and talk to Cornwall Council about what can be done?
John Simon Bercow (Conservative, Centre-right): Order. It is very unfair on the leader of the Scottish National party—[Interruption.] Order. I inform the House, almost certainly for the first time, that we are today visited by an American state senator and his wife, whom I had the great privilege of meeting earlier this morning. I am sure we will wish to impress the two of them with the quality of our behaviour.