Considered in Grand Committee
My Lords, I beg to move that the Grand Committee do consider the Whiplash Injury Regulations 2021 and the Civil Liability Act 2018 (Financial Conduct Authority) (Whiplash) Regulations 2021.
These draft statutory instruments are key components of the Government’s whiplash reforms. They will simplify the process of settling whiplash claims, provide certainty to claimants as to how much their claim is worth, and benefit society by enabling an average reduction in insurance premiums for ordinary motorists of around £35 per premium. I remind the Grand Committee that the Secondary Legislation Scrutiny Committee has drawn both of these important SIs to the attention of the House.
The House had a number of extensive debates on the merits of the Government’s policy underpinning these SIs during the passage of the Civil Liability Act 2018—which I will refer to as “the Act”—so, with the limited time available to us today, my focus will be on the detail of these regulations rather than on rehearsing past policy debates.
The measures in Part 1 of the Act change the process for making whiplash claims by defining what constitutes a whiplash injury; introduce a fixed tariff of damages for pain, suffering and loss of amenity, or PSLA; provide for an uplift to be applied to the tariff amount in exceptional circumstances; and ban the practice of seeking or offering to settle a whiplash claim without first seeking appropriate medical evidence. In addition, we are increasing the small claims track limit in respect of road traffic accident-related personal injury claims from £1,000 to £5,000.
We had also previously committed to increasing the small claims limit for all other types of personal injury, including employers’ and public liability claims, to £2,000. However, the Lord Chancellor has confirmed today, through a Written Ministerial Statement, which I have repeated, that the Government have listened to the views of Members of this House and others, and have decided both to limit this increase to £1,500 and to defer its implementation until April 2022. I hope the Committee will agree that this is a sensible and pragmatic decision, which will give stakeholders additional time to prepare.
The Whiplash Injury Regulations set out a tariff for the amount of damages payable for PSLA for a whiplash injury or injuries of up to two years and any minor psychological injury suffered at the same time. They allow the court to apply an uplift of up to 20% to the tariff amount in exceptional circumstances. Regarding the ban on pre-medical report offers to settle, they specify what constitutes appropriate medical evidence and the experts who may provide it. That will differ depending on whether the injuries include a non-whiplash element.
The purpose of the other statutory instrument is to give powers to the Financial Conduct Authority to enable it to monitor and enforce the ban on pre-medical offers to settle.
Let me now provide a little more detail on each regulation, starting with the tariff figures, which present a rising scale of fixed payments determined by injury duration, with damages reduced less at the top end to recognise more serious injuries. Where the prognosis exceeds two years—in serious cases, that is—claims fall outside the tariff.
We have reviewed and updated the previously published figures to account for inflation. We have also added a three-year future-proofing element to ensure that they do not move out of alignment with future inflationary pressures before the required statutory review in three years’ time. That leads to an increase of about 11% over the figures previously provided to the House.
The reason for the uplift of up to 20% in exceptional circumstances is to balance the need for an effective tariff while also providing for judicial discretion. That 20% figure takes into account feedback received during consultation and in earlier debates, and reflects the position in similar jurisdictions such as Italy, which allow for an uplift of up to one-fifth.
During the passage of the Act we introduced, on the advice of the House, amendments to ensure that the views of the Lord Chief Justice were sought, we have undertaken this consultation, and we are grateful for his consideration of these matters. He was clear that the tariff figures
“demonstrate a material divergence in the levels of damages between those proposed and those which are generally currently awarded”.
He also acknowledged that the tariff figures were similar to those previously tabled before Parliament, when the Government’s intent that the tariffs would be lower than the figures in the Judicial College Guidelines was made clear.
The Lord Chief Justice emphasised that the tariff was a
“narrowly defined statutory derogation from the principle of full compensation through an assessment of damages by the courts”,
but considered that it was not appropriate for him to suggest a change. He made it clear that he understood the Government’s principles underpinning the uplift, but expressed the view that he would prefer the judiciary to have greater discretion.
Following receipt of the Lord Chief Justice’s response, further discussions with the legal advisers to the Joint Committee on Statutory Instruments led to a need to amend the tariff figures to distinguish between damages for claims for whiplash injuries alone and damages for claims for whiplash injuries and minor psychological injuries. We made the Lord Chief Justice aware of these re-presented figures and he was clear that his response, in substance, remained the same.
The Lord Chief Justice also considered that it would be beneficial to review the tariffs earlier than the statutory three years. We do not know now whether we will have enough data in a year’s time to make an informed assessment, so I cannot commit to an early review, but we are open to the possibility. We must first make sure there is evidence available to undertake a meaningful review from which effective conclusions can be drawn. Having considered the points made by the Lord Chief Justice, we will not change our position on the tariff amounts or the judicial uplift of 20%, but we will undertake an analysis of the available data after a year with a view to considering whether an early review is appropriate.
Turning to the medical evidence, the regulations provide that in cases where a claimant lives, or is examined, in England or Wales they must obtain a fixed-cost medical report from an accredited medical expert selected via the MedCo portal. If there are other more serious injuries, the expert has to be listed on the General Medical Council’s specialist register.
The other regulations, which relate to the Financial Conduct Authority, give powers to the FCA to enable it to take effective action to monitor and enforce compliance with the ban on seeking or making pre-medical offers to settle. The FCA is the regulator for insurers and claims management companies which may be involved in settling whiplash claims. These regulations therefore ensure that the FCA has the powers it needs to regulate Section 6 of the Act.
I emphasise that the measures in these regulations are necessary and important. They will provide certainty to whiplash claimants, create savings which will be passed on to consumers and enable the FCA effectively to regulate the ban on the offering and seeking of offers to settle whiplash and associated claims without appropriate medical evidence. I hope that on this basis the Committee will be able to support these measures. I therefore commend them to the Committee.
The next speaker, the noble Baroness, Lady Primarolo, has withdrawn so I call the noble Lord, Lord Hunt.
My Lords, I first declare my interests as a partner in the global law firm DAC Beachcroft, and as set out in the register. I support these regulations. The structure of a modest tariff for a modest injury is exactly what was anticipated when what is now the Civil Liability Act was debated in Parliament in 2018. I therefore agree with my noble friend the Minister that the tariff is set at the right level to reflect what these cases are really worth.
The Judicial College Guidelines do not tell us what hundreds of thousands of simple, low-value claims settle for outside court. The JCG also do not exercise any form of control. They simply record what other judges previously thought over the years and uprate for inflation. The number can go up but never slip back, as the guidelines themselves admit.
I will raise just one further point with the Minister, which I made to his predecessor during the passage of the Bill, about other minor injuries outside the tariff. The value of these other minor injuries is not the subject of any tariff so can he provide an assurance that, where they fall to be assessed alongside the tariff, their value will not suddenly become disproportionate to the main whiplash injury?
The digital portal for whiplash claims will be a completely new portal for small personal injury claims arising from traffic accidents where the pain, suffering and loss of amenity element is under £5,000 and all elements of the claim are less than £10,000. It is specifically designed to enable potential claimants to state their claim and avoid court proceedings without the assistance of legal advice, the idea being that the litigant will simply follow the instructions on the screen. It is likely that very large numbers of claims, running into hundreds of thousands, will be processed through the new whiplash portal.
As the Minister said, the 2018 Act provides for the tariff of damages to be reviewed every three years. He indicated that now, after a year, consideration will be given to whether there should be a review more often than every three years. My focus today is not on that review but rather on the absence of any provision for collecting data on the operation of the digital technology so far as the claimant is concerned and a review of how well it is working.
The whiplash portal and protocol are not part of the court’s digitisation reform programme but arise out of a government policy initiative. I nevertheless urge the Government, as with court digitisation reforms such as the online civil money claims digital process for small money claims by litigants in person, to provide for litigants to record their satisfaction or otherwise with the procedural technology. This is particularly important in the case of the whiplash portal, not only because the litigant is expected to be able to navigate the new digital technology without legal advice but because the technology has been developed not by HMCTS or the MoJ but by the Motor Insurers’ Bureau.
I would, for the same reason, urge the Government to carry out a review of the operation of the new portal within nine months of its commencement, informed by the views expressed by the users of the portal.
My Lords, I declare my interests as set out in the register. It is a great pleasure to follow the noble and learned Lord, Lord Etherton, and I thank my noble friend Lord Wolfson of Tredegar for setting out the purpose of these regulations so clearly. Indeed, the Minister wrote to noble Lords in February of this year setting out the plans for whiplash reform. I strongly welcome the reform and these regulations.
I recognise, of course, that there are genuine whiplash claims, but it is known that there are many “creative” claims. The regulations will help deter them and, it is estimated, will result in savings of approximately £1.2 billion, and of £35 on average on motor insurance premiums, which insurers will pass on.
The provision of a tariff for damages payable for pain and suffering and loss of amenity is welcome. It is obviously central to require a minimum of medical evidence and a ban on settlement without medical evidence, and this is indeed provided for in the regulations. It also seems sensible to provide for a discretionary uplift of up to 20% for appropriate exceptional circumstances. The small claims track limit being raised from £1,000 to £5,000 is also very sensible.
The Association of British Insurers has mentioned that the reforms are very welcome, but it cautions that the potential for claimants to focus increasingly on additional minor injuries, as my noble friend Lord Hunt pointed out, may result in higher awards than the tariffs for whiplash. I hope that my noble friend will be able to say something about keeping ahead of the fray on these developments, which could dilute the beneficial effects of these very welcome reforms.
My Lords, I spoke in favour of what is now Section 3 of the Civil Liability Act 2018 when it was before the House three years ago—and I have not changed my mind. It seemed to me that the case for the whiplash injury regulations that we now have was compelling. It was far too easy for claims to be made that would not survive scrutiny if they were to be adjudicated on by a court. They would be accepted by insurers because it was so much cheaper for them simply to pay up. Human nature being what it is, not everyone abides by the rules. There was an abuse here that needed to be dealt with. A decision to proceed in this way was taken then, and what we are concerned with now is the content of these regulations.
There is no getting away from the fact that the figures listed in each of the columns in Regulation 2 are quite modest. Indeed, some people have described them as “derisory”. We have them, however, in the columns before us, and I welcome very much the Minister’s assurance that he accepts the Lord Chief Justice’s recommendation that a review in the light of experience be undertaken in relatively early course, after one year’s experience.
We note, of course, the opportunity for the court to increase the amounts payable by up to 20% in exceptional cases, and we should also note that Section 3(8) of the Act rightly provides that nothing in that section prevents a court awarding an appropriate amount for any other injuries the person may have sustained, which may well be the case in the ordinary road accident section. There is a risk, of course, that other kinds of minor injury will now take the place of whiplash claims. That will need to be carefully watched. For now, however, modest though the figures are, these regulations have my support.
My Lords, I welcome the introduction of the whiplash injury regulations, given the sheer volume of whiplash claims that were being made to exploit the system, rather than to support those who suffered genuine injury. I do hope that, rather than just being absorbed by the insurance industry, any savings will be passed back to insurance policyholders as a reduction in policy premiums, as they have been paying for many of these unscrupulous claims with increased policy premiums for decades.
My concern with the introduction of the official injury claims portal—a move to an online service that is very much the norm these days—is whether this will disfranchise many in society who would otherwise be eligible to make a successful claim. Can the Minister comment on how those who do not have online access or IT skills, as is still all too often the case for much of society, are to make their claims? Is there an alternative, paper version? In addition, can he outline to the House how these changes to claims are going to be advertised or otherwise communicated, together with any paper version availability?
My Lords, I welcome the reform of whiplash injuries compensation because, in many instances, the accumulated payments for whiplash injuries—which in many instances are very painful and have to be endured for a long time—have imposed a considerable level of premiums on ordinary insurance people.
These regulations are supported by the insurance industry, which has long campaigned on the need to tackle the UK’s whiplash epidemic and has provided funding for the full technical development and build of the new portal through the motor insurers’ premium. However, solicitors’ associations have a lukewarm attitude towards the new regulations, contending that the methodology used for formulating the new tariff rates is fundamentally flawed and leads to a substantially greater reduction in damages payable to injured claimants than is justified. They also believe that the proposed tariff of damages is unfairly low, given the possible severity and duration of the injury sustained.
Therefore, will the Minister and his colleagues consider publishing the correspondence and exchange of views with the judiciary, in the interests of transparency? There is a view that not all the information from the judiciary has been made available as part of the consultation process. Will he also indicate what steps will be taken to ensure that the tariff rates are increased to facilitate fairer damages to injured claimants? In this instance, I mean people who are deserving of this payment and have had to endure so much pain and suffering.
As I said three years ago in Committee, I broadly welcome the tariff-based system. But today, as then, I wish to raise points in relation to advice, the proper operation of the new system, and the adequacy of the tariff.
I spent 20 minutes this morning watching the video of how this system is to work for unrepresented defendants. It is not easy, and the experience elsewhere has shown that it is difficult to devise a system whereby people can make claims online on something that is not very straightforward. I therefore wish to ask the Minister: what provision is being made to help unrepresented defendants understand the system, particularly those who are not as familiar with computers as Members of your Lordships’ House? Secondly, what advice will be given when a person has to decide whether the offer made by the insurers is a fair one? That is not an easy question. Will it be the CAB or some other third-sector provider, and what funds are being provided to cover this additional cost of the third sector, bearing in mind the immense pressure on it?
It appears that, unusually, the system that has been made has been designed, as the noble and learned Lord, Lord Etherton, stated, by the potential defendants. It is clear that an independent review of the operation of the system itself, as distinct from the tariff, is needed, and I very much hope that a properly independent review can be set up within a year. There should be no difficulty with needing the requisite figures; we just want to know how this is dealing with unrepresented defendants. As to the review of the tariff, I hear what the Minister has said, but I very much hope that, whatever the timescale for the review, it will be independent and the evidence will be published.
My Lords, I support these regulations. The objectives are good and clear, although on reflection, perhaps it is a pity it has taken so long—four years—for action. It is good to see Her Majesty’s Government working closely with the ABI, and it in turn with its members, and it is good to hear that everyone is organised for when the portal goes live on 31 May. I like the linkage between the Treasury, the FCA and the industry to assess whether policyholders have benefited from any savings made by insurers as a result of the Act.
However, I am deeply concerned about minor injuries claims. There is the potential here for a huge challenge of quasi-bogus claims from claims management companies and claimant lawyers. I say that because we already have evidence from earlier debates about what is happening in relation to credit lending, particularly payday lending and the backlash against the home-collected-credit format that has been with us for well over 100 years. These claims management companies manufacture complaints and use social media marketing techniques to farm spurious claims in large—in fact, huge—volumes. They end up at the Financial Ombudsman Service, which finds itself facing this mass dumping of claims and has to produce what it calls “mass settlements”, which are then passed on in the cases that we have been debating elsewhere to the actual companies that are doing the lending. In this case, they will be dumped on the insurance companies. Can my noble friend therefore make sure that he is fully briefed on what has been happening in what is in effect an allied industry?
My Lords, this SI has been prepared by the Treasury. The Civil Liability Act 2018 gave powers to the Financial Conduct Authority to enforce the ban on the making and requesting of offers to settle road traffic accident whiplash-related injury claims without a medical report, as set out in Sections 6 and 8 of the 2018 Act. The SI applies to England and Wales only and is a financial instrument for the purposes of Standing Orders of the House of Commons relating to public business.
As set out in Section 6 of the Act, all low-value RTA whiplash-related claims will need to be supported by a medical report provided by a MedCo-accredited medical expert, otherwise known as a ban on pre-medical offers. As the Explanatory Memorandum states:
“MedCo is a system for accrediting medical experts and for sourcing initial fixed cost soft tissue injury medical reports mandated by the Pre-Action Protocol for Low Value Personal Injury Claims in Road Traffic Accidents.”
The requirement to make sure that a medical report is completed before any RTA whiplash-related claim can be settled will provide more certainty regarding the costs of the settlement process and provide both parties with information on the severity of the injury and an accurate assessment of the treatment required and the duration of the injury, so as to be able to assess the position regarding the tariff and identify the compensation payable to settle the claim.
This SI will bring an end to the practice of pre-medical offers to settle, which can lead to unmeritorious minor or exaggerated claims being made by some claimants, including fraudulent claims by uninjured claimants. This will also reduce the risk of under-settlement, as the policy will ensure that claimants with genuine injuries are properly assessed by accredited medical experts—
The noble Viscount, Lord Ridley, has withdrawn, so I call the noble Lord, Lord Bradshaw.
My Lords, I spent 12 years of my life on a police authority, and I saw the manufacturing of totally spurious claims from a large number of ill-motivated people. Some of them were criminal claims: people had actually manufactured crashed cars and claimed that whiplash had taken place, and it was extremely difficult to deal with them.
What the Government are proposing is necessary, and it is a pity that it has taken so long to bring it into effect. However, I share the reservations expressed by the noble Lord, Lord Naseby, that there is a claims industry in this country which is determined to find some way in which to make money. The money is made out of honest people who pay the premiums, who pay extra as a result. I warmly support what the Government are doing but I ask the Minister, as has the noble Lord, Lord Naseby, to reassure us that the Government are alive to the fact that the people making these claims will move to other areas and will seek to exploit them. A responsible Government should be alive to this fact and should take steps as soon as possible to crush any resurgence of claims from any other quarter.
My Lords, tackling fraudulent whiplash claims to bring down motorists’ insurance premiums is a welcome step. However, these efforts must not be at the expense of access to justice for genuine claimants. On balance, we in the Labour Party support the intention of the regulations. However, we are concerned that they may lack clarity and there should be proper support for the inevitable rise of litigants in person.
We have heard something of the background to today’s regulations—the first proposal in the 2015 Autumn Statement and plans to introduce fixed tariffs for whiplash claims resulting from road traffic accidents. The Minister has explained that the regulations will increase the financial limit of claims managed though a small claim from £1,000 to £5,000 and introduce a new online portal managed by the Motor Insurers’ Bureau to process claims. The Minister also explained that they will set the maximum damages for whiplash claims, although a court may apply a discretionary 20% uplift in exceptional circumstances. Moreover, children and vulnerable road users such as pedestrians, cyclists and horse-riders are excluded from the new regulations.
The plans have been welcomed by the Association of British Insurers, as it is right that there should be an effort to reduce the cost of whiplash claims to insurers, which is currently about £2 billion. I must say that the contribution of the noble Lord, Lord Bradshaw, given his time on his local police authority, was apposite and went to the heart of the problem that the regulations seek to address.
Like all other noble Lords who have spoken in the debate, I have been contacted by several interested bodies. They have sent in a number of questions, some of which I will run through. I am sure the Minister will be aware of their concerns, but I raise them nevertheless. For example, how will mixed claims, whereby whiplash has been sustained along with other injuries, be dealt with? Secondly, under exactly what circumstances may a judge apply the discretionary 20% uplift?
The noble and learned Lords, Lord Etherton and Lord Thomas, made a point about the new portal. First, we trust that the data can be securely transferred to the new portal, but will there be a proper analysis of the data within it so that a review of the new system can be undertaken from an informed point of view? A further question is how the Government propose to address inconsistency in the application of the regulations.
My final point has been made by pretty much all noble Lords speaking in today’s debate. The Association of British Insurers has raised the concern that there may be an incentive for some people to claim for minor injuries and put them at a higher importance than whiplash injuries. That could limit the effects of the reform and lessen the benefits to honest premium-paying customers through the increase in minor injury claims.
In his introduction, the Minister that said he was open to the possibility of a review. When does he think it would be appropriate to review the new regulations?
My Lords, I am grateful to all noble Lords who have taken part in the debate. Given the time constraints, rather than give a speech in response, I will try to deal with the various points put to me.
My noble friends Lord Hunt of Wirral, Lord Bourne of Aberystwyth and Lord Naseby made the point that there is a risk that the regulations could be subverted by other injuries suddenly becoming the main injury. As the noble and learned Lord, Lord Hope of Craighead, mentioned, Section 3(8) of the Act provides that, where a claimant suffers injuries in addition to a whiplash injury, the court is not prevented from awarding damages that reflect the combined effect of the injuries sustained. The courts will therefore need to determine how mixed injuries are addressed. We are confident that judicial expertise will address these matters on a case-by-case basis, but we will look vigilantly to ensure that the regulations are not undermined, whether by the claims management industry or otherwise, by people reordering their claims so that minor injuries become the main part of their claim.
The noble and learned Lord, Lord Etherton, asked about legal advice. The short point is that the online system has been designed with the claimant firmly at its heart. It is a modern, user-friendly, digital system. There is guidance in the system and digitally disadvantaged claimants who cannot use it can be assisted by a dedicated telephone support centre. We will review the data produced by the system and monitor it. We will discuss the operational performance of the portal on a regular basis with a user group that includes representatives of claimants and defendants, together with third-sector and consumer representatives.
My noble friend Lady Gardner of Parkes asked about passing on savings. The short point there is that the competitive nature of the motor insurance market will ensure that savings are passed on. As she is aware, the regulations provide that insurers have to provide data to the FCA so that it can see the savings being made. I do not want to repeat what I just said, but I assure her that we are very conscious of people who are not online and we want to make sure that they are not disfranchised.
The noble Baroness, Lady Ritchie of Downpatrick, asked about correspondence with the Lord Chief Justice. I hope I gave the Committee a fair summary of that correspondence. We do not plan formally to publish the letters received from the Lord Chief Justice. I venture to suggest that it would not be appropriate to commit to publishing the full correspondence without discussing it with the Lord Chief Justice. It is also important that these discussions can take place on a proper basis.
As to a review of the tariff system, I hope I set out in introducing the regulations that we will consider a review on the timescale that I indicated. I appreciate that the noble Baroness said that some solicitors think that the tariffs are too low. I am afraid that is a debate that we have had on a policy basis on a number of occasions and, for the reasons I set out, the Government are confident that these tariffs are appropriate and give proper compensation where injuries are properly sustained.
I hope that I have dealt with the point made by my noble friend Lord Bourne of Aberystwyth. I have already referred to the contribution from the noble and learned Lord, Lord Hope of Craighead. I very much welcome his support on this matter.
The noble Lord, Lord Bhatia, asked about medical reports. I assure the Committee that the online system is fully integrated with MedCo, so that once a liability decision has been received by the at-fault insurer, claimants can proceed through the system to obtain their report from an accredited medical expert. Importantly, if the at-fault insurer has accepted any portion of liability, it will also pay for that report. We have worked very closely with MedCo to ensure that reports are presented in an accessible, user-friendly format, while continuing to include all necessary information on the claimant’s injury and prognosis. As I said, we will ensure that unrepresented claimants are fully supported through the process.
The noble and learned Lord, Lord Thomas of Cwmgiedd, asked a number of questions, first about the online system. The noble and learned Lord referred in particular to unrepresented defendants; I do not know whether he actually meant unrepresented claimants, whom I have already dealt with. So far as defendants are concerned, I assure the Committee that a full programme of webinars has been undertaken where professional users can learn more about the new process and ask questions. Information has been regularly disseminated through an e-shot programme and through social media channels such as LinkedIn and YouTube, and additional information pages will shortly be available on GOV.UK. Third-sector organisations have been taught about the new online service and, therefore, they will be able to signpost people to it. I am confident that, once the system is up and running, it will run well. I hope I have also dealt with the noble and learned Lord’s points about the tariff and a review of the system; I have sought to make the government position clear on that, and also on the data point. If I have misunderstood his focus, as to defendants or claimants, I will perhaps write to him to set out the position in more detail.
The noble Lord, Lord Bradshaw, regretted that it had taken so long. I am very conscious that this debate precedes my involvement in it by some years. All I can say is that we have got here, and the regulations will be up and running shortly—better late than never. The important thing now is to make sure that they work properly and fairly, and that is certainly what we will do. I am absolutely alive to the fact that there is a claims management industry, and that it will shift its focus. We will be equally vigilant to ensure that the purpose of these regulations is not undermined.
I therefore welcome—if I may say—the support in principle for the aims of the regulations from the noble Lord, Lord Ponsonby of Shulbrede. He asked me six questions in a rat-a-tat way. Let me give equally speedy responses, because I understand that we are all limited for time. First, I hope I have dealt with mixed claims; that is a Section 3(8) issue. On the 20% uplift, all I really want to say is that the word used in the statute is “exceptional”. I do not think it is appropriate for me to gloss that word, especially as we now have Pepper v Hart, so I will just say that it is an ordinary English word and falls to be interpreted in the normal way.
Thirdly, on the portal, I can assure the noble Lord that data is secure. I have already explained, I hope, the timing of the review. We will keep the question of its extent and timing under review, and we will look at it in a year’s time, as I said. I am afraid I did not quite understand the point about an inconsistency in application; I appreciate it was not the noble Lord’s point, but he was passing it on. The whole point here is that we have a tariff, so similar injuries really ought to be dealt with in a very similar way. If those who passed the question on to him are not satisfied with my answer, perhaps he will reformulate the question to me—and if he does, I am happy to provide a written response. But there should not be inconsistency, because we have a tariff. The fifth point was that there would be an incentive to claim that the minor injury is in fact the main one; I hope I have dealt with that already. The noble Lord’s last substantive question was on the review, and I hope I have dealt with that as well.
I apologise for running through this at something of a pace, but I have only 10 minutes, of which I have about 15 seconds left. I hope that I have dealt with all contributions. I will check the Official Report and write if I have not, but otherwise I respectfully commend these regulations to the Committee.