My Lords, I am grateful to everyone who has contributed. As noble Lords probably gathered, I was looking for a peg on which to hang my hat. I am pleased that I found a peg and I found someone who was prepared to cast a hat on it as well—I am grateful to the noble Lord, Lord Carlile, for finding a possible solution.
There is a problem and it should be addressed. People should not be out of pocket. The cost is not just in respect of the one year when they have the incident. If an insurance policy goes up, it goes up and it stays up; it is an ongoing cost to the individual. I am grateful to the Minister for saying that he will have a look at this, so if there is an opportunity to find a way through I am happy to leave it for now and see if we can have a conversation to find a way for victims to be given the proper compensation for the problem that they have encountered. In the meantime, I beg leave to withdraw the amendment.