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Lord Graham of Edmonton: My Lords, before the noble Lord sits down, perhaps I may point out that my honourable friend in the other place, Mr. Stuart Bell, made a fair point. He said that it is still open to practitioners to pursue what is essentially the same

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business under another style and without registration. I do not have an interest to declare, but I have an interest in the travel business. Invariably, when there is trouble, it is through companies or businesses which are not members of ABTA or IATA, the two recognised registered bodies. The unaware customer, who should be aware, goes into a shop which appears to be selling holidays at an advantageous price. It is only later that the customer realises that protection is not there.

The point I am making—and it is not a stick with which to beat the Government—is that they should be aware that although we are protecting the term "insurance broker" because that is what this order is about, one also needs to recognise that in the normal consumer protection sphere there will still be people who avoid registration but who could nevertheless very well take the customer for a ride.

Lord Chesham: My Lords, I thank the noble Lord for that point. We shall certainly take it on board. As to qualifications other than experience, that does not come into effect until 1st January 1997. That gives people some time to consider their role. If they have adequate experience before then, there is nothing to prevent them applying. The council is willing to consider alternatives, as I mentioned. It anticipates that a number of university qualifications, for example, and other TII qualifications, will be partly equivalent. If the order is made the IBRC will begin to look in detail at the syllabuses of other qualifications. I hope that covers the point which the noble Lord raised. I commend the order to the House.

On Question, Motion agreed to.

        House adjourned at twenty-five minutes past five o'clock.

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