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 It replaces the outdated Riot (Damages) Act 1886 and sets out clear procedures for claims, decision-making, and compensation limits.

Description

The bill creates a system where individuals and insurance companies can claim compensation from the relevant local police force for riot-related property damage. Claims can be made for buildings, property within or near buildings, and specific types of motor vehicles (detailed in a schedule). The scheme excludes riots in prisons, certain hospitals, and immigration detention facilities.

Claims Process: The Secretary of State will set regulations governing the claims process, including deadlines (minimum 42 days for claims, 90 days for evidence submission), required information, and acceptable evidence (potentially requiring approved contractors for repair estimates). Claims can be made by those whose property was uninsured or inadequately insured. Insurance companies can also claim for losses already paid to their policyholders.

Decision-Making: Local policing bodies are initially responsible for assessing claims but can delegate tasks (procedural matters or final decisions) to other designated individuals, as detailed by the Secretary of State. The Secretary of State can also take over these responsibilities, particularly if multiple police areas are affected by related riots. They can establish a "riot claims bureau" for this purpose, delegating tasks as needed.

Compensation: Compensation is capped at £1 million per claim and covers only direct losses; consequential losses are generally excluded, except for costs related to finding alternative accommodation if a claimant's home is uninhabitable. The Secretary of State can set regulations detailing further compensation specifics. There are provisions for reviews and appeals.

Repeal: The bill repeals the Riot (Damages) Act 1886 and makes consequential amendments to other legislation to reflect the new scheme.

Government Spending

The bill will likely result in increased government spending, as the compensation scheme is expected to incur costs for processing claims and paying compensation. Exact figures are not provided in the bill text. The actual cost will depend on the number and value of claims.

Groups Affected

• Individuals and Businesses: Those whose uninsured or underinsured property was damaged, destroyed, or stolen in a riot may be eligible for compensation.
• Insurance Companies: Insurance companies that have already paid out for riot-related damages can claim compensation from the relevant local policing body.
• Local Policing Bodies: These bodies will be responsible for processing claims and paying compensation, or delegating this responsibility as permitted by the bill.
• Secretary of State: The Secretary of State has significant oversight, including setting regulations, potentially handling major incidents, and establishing a dedicated "riot claims bureau".

Powered by nyModel