I may have misled the noble Lord. I did not say that it does not meet the substantial test but that we had to balance the need to meet the substantial public interest test in the GDPR and the need to provide appropriate safeguards for the data
subject. I am not saying that those circumstances do not exist. There is clearly substantial public interest that, as we discussed last week, compulsory classes of insurance should be able to automatically renew in certain circumstances. I am sorry if I misled the noble Lord.
We realised that there are potentially some issues surrounding consent, particularly in the British way of handling insurance where you have many intermediaries, which creates a problem. That may also take place in other countries, so the Information Commissioner will also look at how they address these issues, because there is meant to be a harmonious regime across Europe. The noble Earl has agreed to come and talk to us, and I hope that on the basis of further discussions, he will withdraw his amendment.