<?xml version="1.0" encoding="UTF-8"?><edm>
<id>23932</id>
<session>2002-03</session>
<number>146</number>
<title>Business Insurance Costs</title>
<proposer id="10136">Brian Cotter</proposer>
<date>2002-11-19</date>
<text>That this House notes with concern the substantial increase in the insurance costs to business for employer's liability and public liability cover; further notes that businesses have had premium increases of 500 per cent. or more imposed, or have been refused insurance cover at short notice; recognises the recent findings of the British Chamber of Commerce survey, showing that 9 per cent. of manufacturing companies have been refused cover, along with 6 per cent. of other businesses; considers that the Government should take an urgent lead; and calls upon the Government to promote an enforceable code of conduct, ensuring a consistent and transparent approach by the insurance industry, and that an acceptable notice period is given when premiums are to be raised significantly or cover is to be withdrawn and to instigate an inquiry into this issue.</text>
<topics>
</topics>
<signatures>
	<signature>
		<mp id="10136">Brian Cotter</mp>
		<date>2002-11-19</date>
		<type>Proposed</type>
		<constituency>Weston-Super-Mare</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10455">Doug Naysmith</mp>
		<date>2002-11-19</date>
		<type>Signed</type>
		<constituency>Bristol North West</constituency>
		<party>Labour Co-operative</party>
	</signature>
	<signature>
		<mp id="10754">Annette Brooke</mp>
		<date>2002-11-19</date>
		<type>Signed</type>
		<constituency>Mid Dorset &amp; North Poole</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10084">Vincent Cable</mp>
		<date>2002-11-19</date>
		<type>Signed</type>
		<constituency>Twickenham</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10582">Robert Syms</mp>
		<date>2002-11-19</date>
		<type>Signed</type>
		<constituency>Poole</constituency>
		<party>Conservative</party>
	</signature>
	<signature>
		<mp id="10026">Harry Barnes</mp>
		<date>2002-11-20</date>
		<type>Signed</type>
		<constituency>North East Derbyshire</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10033">Roy Beggs</mp>
		<date>2002-11-20</date>
		<type>Signed</type>
		<constituency>East Antrim</constituency>
		<party>UUP</party>
	</signature>
	<signature>
		<mp id="11312">Michael Weir</mp>
		<date>2002-11-20</date>
		<type>Signed</type>
		<constituency>Angus</constituency>
		<party>Scottish National Party</party>
	</signature>
	<signature>
		<mp id="10647">Nicholas Winterton</mp>
		<date>2002-11-20</date>
		<type>Signed</type>
		<constituency>Macclesfield</constituency>
		<party>Conservative</party>
	</signature>
	<signature>
		<mp id="10222">Andrew George</mp>
		<date>2002-11-20</date>
		<type>Signed</type>
		<constituency>St Ives</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10096">Martin Caton</mp>
		<date>2002-11-20</date>
		<type>Signed</type>
		<constituency>Gower</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10416">Paul Marsden</mp>
		<date>2002-11-20</date>
		<type>Signed</type>
		<constituency>Shrewsbury &amp; Atcham</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10968">Paul Holmes</mp>
		<date>2002-11-20</date>
		<type>Signed</type>
		<constituency>Chesterfield</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10269">David Heath</mp>
		<date>2002-11-20</date>
		<type>Signed</type>
		<constituency>Somerton &amp; Frome</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10521">Bob Russell</mp>
		<date>2002-11-20</date>
		<type>Signed</type>
		<constituency>Colchester</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10660">John Randall</mp>
		<date>2002-11-20</date>
		<type>Signed</type>
		<constituency>Uxbridge</constituency>
		<party>Conservative</party>
	</signature>
	<signature>
		<mp id="10177">David Drew</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>Stroud</constituency>
		<party>Labour Co-operative</party>
	</signature>
	<signature>
		<mp id="10184">Huw Edwards</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>Monmouth</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10034">Alan Beith</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>Berwick-upon-Tweed</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10612">Paul Tyler</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>North Cornwall</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10619">Joan Walley</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>Stoke-on-Trent North</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10169">Andrew Dismore</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>Hendon</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10776">Patsy Calton</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>Cheadle</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10066">Colin Breed</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>South East Cornwall</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10367">Tony Lloyd</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>Manchester Central</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10323">Lynne Jones</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>Birmingham, Selly Oak</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10944">Dai Havard</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>Merthyr Tydfil &amp; Rhymney</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10541">Alan Simpson</mp>
		<date>2002-11-21</date>
		<type>Signed</type>
		<constituency>Nottingham South</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10616">Rudi Vis</mp>
		<date>2002-11-25</date>
		<type>Signed</type>
		<constituency>Finchley &amp; Golders Green</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10675">Simon Thomas</mp>
		<date>2002-11-25</date>
		<type>Signed</type>
		<constituency>Ceredigion</constituency>
		<party>Plaid Cymru</party>
	</signature>
	<signature>
		<mp id="10590">Matthew Taylor</mp>
		<date>2002-11-25</date>
		<type>Signed</type>
		<constituency>Truro &amp; St Austell</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10101">David Chidgey</mp>
		<date>2002-11-25</date>
		<type>Signed</type>
		<constituency>Eastleigh</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10527">Adrian Sanders</mp>
		<date>2002-11-25</date>
		<type>Signed</type>
		<constituency>Torbay</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10491">Gwyn Prosser</mp>
		<date>2002-11-25</date>
		<type>Signed</type>
		<constituency>Dover</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10487">Gordon Prentice</mp>
		<date>2002-11-25</date>
		<type>Signed</type>
		<constituency>Pendle</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10677">Sandra Gidley</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Romsey</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10683">Adrian Bailey</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>West Bromwich West</constituency>
		<party>Labour Co-operative</party>
	</signature>
	<signature>
		<mp id="10022">Norman Baker</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Lewes</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10578">Andrew Stunell</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Hazel Grove</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10599">Jenny Tonge</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Richmond Park</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10671">Bill Tynan</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Hamilton South</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10626">Steve Webb</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Northavon</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10641">Phil Willis</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Harrogate &amp; Knaresborough</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="11345">Richard Younger-Ross</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Teignbridge</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10208">Don Foster</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Bath</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10142">Ann Cryer</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Keighley</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="11189">Angus Robertson</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Moray</constituency>
		<party>Scottish National Party</party>
	</signature>
	<signature>
		<mp id="10261">Evan Harris</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Oxford West &amp; Abingdon</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10262">Nick Harvey</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>North Devon</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10298">Simon Hughes</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>North Southwark &amp; Bermondsey</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10331">Paul Keetch</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Hereford</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10368">Elfyn Llwyd</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Meirionnydd Nant Conwy</constituency>
		<party>Plaid Cymru</party>
	</signature>
	<signature>
		<mp id="11095">Rob Marris</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Wolverhampton South West</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10439">Michael Moore</mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Tweeddale, Ettrick &amp; Lauderdale</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10465">Lembit </mp>
		<date>2002-11-26</date>
		<type>Signed</type>
		<constituency>Montgomeryshire</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10080">Paul Burstow</mp>
		<date>2002-11-27</date>
		<type>Signed</type>
		<constituency>Sutton &amp; Cheam</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10063">Tom Brake</mp>
		<date>2002-11-27</date>
		<type>Signed</type>
		<constituency>Carshalton &amp; Wallington</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10428">Alan Meale</mp>
		<date>2002-11-27</date>
		<type>Signed</type>
		<constituency>Mansfield</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="11036">David Laws</mp>
		<date>2002-11-27</date>
		<type>Signed</type>
		<constituency>Yeovil</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="11032">Norman Lamb</mp>
		<date>2002-11-27</date>
		<type>Signed</type>
		<constituency>North Norfolk</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="11174">John Pugh</mp>
		<date>2002-11-27</date>
		<type>Signed</type>
		<constituency>Southport</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10640">Betty Williams</mp>
		<date>2002-11-28</date>
		<type>Signed</type>
		<constituency>Conwy</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10629">Brian White</mp>
		<date>2002-11-28</date>
		<type>Signed</type>
		<constituency>North East Milton Keynes</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10345">Archy Kirkwood</mp>
		<date>2002-11-28</date>
		<type>Signed</type>
		<constituency>Roxburgh &amp; Berwickshire</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="11185">Alan Reid</mp>
		<date>2002-11-28</date>
		<type>Signed</type>
		<constituency>Argyll &amp; Bute</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10088">Menzies Campbell</mp>
		<date>2002-12-02</date>
		<type>Signed</type>
		<constituency>Fife North East</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10716">John Barrett</mp>
		<date>2002-12-02</date>
		<type>Signed</type>
		<constituency>Edinburgh West</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10606">Paul Truswell</mp>
		<date>2002-12-03</date>
		<type>Signed</type>
		<constituency>Pudsey</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10879">Annabelle Ewing</mp>
		<date>2002-12-03</date>
		<type>Signed</type>
		<constituency>Perth</constituency>
		<party>Scottish National Party</party>
	</signature>
	<signature>
		<mp id="10137">Jim Cousins</mp>
		<date>2002-12-03</date>
		<type>Signed</type>
		<constituency>Newcastle upon Tyne Central</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10525">Alex Salmond</mp>
		<date>2002-12-04</date>
		<type>Signed</type>
		<constituency>Banff &amp; Buchan</constituency>
		<party>Scottish National Party</party>
	</signature>
	<signature>
		<mp id="10189">Bill Etherington</mp>
		<date>2002-12-05</date>
		<type>Signed</type>
		<constituency>Sunderland North</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="11280">John Thurso</mp>
		<date>2002-12-11</date>
		<type>Signed</type>
		<constituency>Caithness, Sutherland &amp; Easter Ross</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10221">Edward Garnier</mp>
		<date>2002-12-12</date>
		<type>Signed</type>
		<constituency>Harborough</constituency>
		<party>Conservative</party>
	</signature>
	<signature>
		<mp id="10399">Kevin McNamara</mp>
		<date>2002-12-16</date>
		<type>Signed</type>
		<constituency>Kingston upon Hull North</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10032">Anne Begg</mp>
		<date>2002-12-17</date>
		<type>Signed</type>
		<constituency>Aberdeen South</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="11027">Jim Knight</mp>
		<date>2002-12-18</date>
		<type>Signed</type>
		<constituency>South Dorset</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10479">Peter Pike</mp>
		<date>2003-01-07</date>
		<type>Signed</type>
		<constituency>Burnley</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10325">Nigel Jones</mp>
		<date>2003-01-13</date>
		<type>Signed</type>
		<constituency>Cheltenham</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10543">Marsha Singh</mp>
		<date>2003-01-15</date>
		<type>Signed</type>
		<constituency>Bradford West</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10128">Michael Connarty</mp>
		<date>2003-01-16</date>
		<type>Signed</type>
		<constituency>Falkirk East</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10958">Lady Hermon</mp>
		<date>2003-01-27</date>
		<type>Signed</type>
		<constituency>North Down</constituency>
		<party>UUP</party>
	</signature>
	<signature>
		<mp id="10383">John McDonnell</mp>
		<date>2003-01-28</date>
		<type>Signed</type>
		<constituency>Hayes &amp; Harlington</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10078">John Burnett</mp>
		<date>2003-01-28</date>
		<type>Signed</type>
		<constituency>Torridge &amp; West Devon</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="11324">Roger Williams</mp>
		<date>2003-02-03</date>
		<type>Signed</type>
		<constituency>Brecon &amp; Radnorshire</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10502">David Rendel</mp>
		<date>2003-02-03</date>
		<type>Signed</type>
		<constituency>Newbury</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10459">Mark Oaten</mp>
		<date>2003-02-12</date>
		<type>Signed</type>
		<constituency>Winchester</constituency>
		<party>Liberal Democrat</party>
	</signature>
	<signature>
		<mp id="10403">Tony McWalter</mp>
		<date>2003-02-24</date>
		<type>Signed</type>
		<constituency>Hemel Hempstead</constituency>
		<party>Labour Co-operative</party>
	</signature>
	<signature>
		<mp id="10100">David Chaytor</mp>
		<date>2003-05-15</date>
		<type>Signed</type>
		<constituency>Bury North</constituency>
		<party>Labour</party>
	</signature>
	<signature>
		<mp id="10550">John Smith</mp>
		<date>2003-05-22</date>
		<type>Signed</type>
		<constituency>Vale of Glamorgan</constituency>
		<party>Labour</party>
	</signature>
</signatures>
</edm>
