Professor Peter Clinch:

We do not have a remit to collect data ourselves; we rely on others. There is also an issue when a body collects its own data and how reliable they are. The CSO should really collect this data, as an independent body.

We do not stay silent on this issue. I would argue that we have said more about it than most organisations, and spoke about it in early course. We have a good track record of pointing up things before people even notice, for example on the cost of credit. Everyone was obsessed with availability but we pointed out that the cost was also a factor. We will not be silent on that issue.

Every company needs insurance, so all employers rely on public liability insurance.