For the sake of completeness, I should say that I am shortly going to a dinner of the Association of British Insurers, although that will principally be to discuss the effects on the insurance industry of climate change. It is worth underlining what the hon. Lady said: the ABI, which represents 400 insurers, covering 94 per cent. of domestic insurance, said that it broadly welcomes the clause as drafted.

I want to give the Government a pat on the back. All too often, for understandable reasons, we sit in the Committee with submissions from various bodies that have concerns about the import of certain measures or the way that they are introduced. This measure is broadly welcomed, however, and the ABI has taken the trouble to circulate—to all members of the Committee, I suspect—a message to the Government saying, “Well done.”