Overview

This bill establishes a new compensation scheme for individuals and businesses whose uninsured or inadequately insured property was damaged, destroyed, or stolen during a riot. It repeals the outdated Riot (Damages) Act 1886 and sets out procedures for claims, decision-making, and payment limits.

Description

The bill creates a system where individuals and insurance companies can claim compensation from the local police force responsible for the area where the riot occurred. Claims can be made for damage to buildings, property within buildings or their curtilages, business property, and certain motor vehicles (as defined in the schedule). The maximum compensation per claim is £1 million. The bill specifies that only direct losses are compensated, excluding consequential losses, except for costs related to alternative accommodation if a home is rendered uninhabitable.

The bill details the claims process, including deadlines (42 days to make a claim, 90 days to submit evidence), required information, and the possibility of interim payments. The Secretary of State can establish a body to handle claims if multiple police areas are affected. Regulations will govern procedures, evidence requirements, and the calculation of compensation. There is a provision for reviews and appeals of decisions. The bill also repeals the Riot (Damages) Act 1886 and makes related amendments to other legislation.

Government Spending

The bill will likely result in increased government spending due to compensation payouts. The exact amount is unpredictable and depends on the number and value of successful claims. The maximum payout per claim is capped at £1 million.

Groups Affected

• Individuals: Individuals whose uninsured or underinsured property was damaged, destroyed, or stolen during a riot can claim compensation. The impact is potentially positive, providing financial relief for losses.
• Businesses: Businesses suffering similar losses can also claim, potentially aiding recovery. The impact is potentially positive.
• Insurance Companies: Insurance companies that have partially covered losses can claim compensation for the remaining costs. The impact is potentially both positive (reimbursement) and negative (increased payouts).
• Local Policing Bodies: Local police forces are responsible for processing claims and paying compensation, leading to increased administrative workload and financial burdens. The impact is potentially negative.
• The Secretary of State: The Secretary of State has significant oversight and regulatory power, impacting government resources and potentially increasing administrative costs.

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