I am grateful to the hon. Lady for advance notice of the question—she wrote to me this morning. I will say a few things. First, she will know that the insurance industry is the responsibility of the Treasury, but it is an important issue for drivers, so I am happy to deal with it. I read her letter with great care, and I notice that it contains no plan and not a single proposal to deal with the cost of insurance. Whereas this week the Under-Secretary of State for Transport, my hon. Friend Guy Opperman, chaired a roundtable with Treasury Ministers and the industry to look at these important issues, which are also in evidence across Europe.

Secondly, having read the letter carefully, I notice that the hon. Lady takes a pop at postcode pricing, which is about pricing according to risk. It seems to me that she is proposing—I am sure she cannot really mean this—to put up insurance costs across the country to reflect the Mayor of London’s failure to grip crime in inner London.