Does not my hon. Friend accept that it is time to move in that direction? Both taxation and third-party insurance are compulsory, and there seems no logical reason why they should not be carried out in the same office. It would reduce the uncertainties of the present insurance situation, reduce the number of staff involved, and make the whole thing much simpler. Does not my hon. Friend accept that it would be welcomed by motorists generally, and by the insurance companies, judging by the small profit margin that they claim exists on motor insurance?
I am not certain about all that. The first practical difficulty is that vehicle excise duty is standard according to the class of vehicle, while insurance premiums vary considerably with the driver concerned.