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1216164

registered interest
date	22/06/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Travel: Insurance Companies
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps he is taking to ensure that travel insurance companies are (a) communicating clearly to their consumers and (b) treating them fairly.
tabling member constituency	Ogmore
tabling member printed	Chris Elmore
uin	62546
answer	answer is ministerial correction date of answer 29/06/2020 answer text <p>The Government is in continual dialogue with the insurance sector to understand and influence its contribution to handling this unprecedented situation.</p><p> </p><p>The Financial Conduct Authority (FCA) rules require insurers to handle claims fairly and promptly; provide reasonable guidance to help a policyholder make a claim; not reject a claim unreasonably; and settle claims promptly once settlement terms are agreed. In addition, the FCA has said that, in light of COVID-19, insurers must consider very carefully the needs of their customers and show flexibility in their treatment of them. The Government is working closely with the FCA to ensure that the rules are being upheld during this crisis and fully supports the regulator in its role.</p><p> </p><p>The FCA have also issued guidance for travel insurance customers, which can be found on their website.</p><p>We have discussed with insurers the importance of insurance cover for Covid-19 in restoring consumer confidence to travel again. Firms assure us that they will look to offer cover again where and when they can. They are monitoring announcements by Government and reviewing their position as the situation evolves. We will continue to monitor this situation closely.</p> answering member constituency Salisbury answering member printed John Glen question first answered 29/06/2020 16:08:11 answering member 4051 label Biography information for John Glen
tabling member	4572 label Biography information for Chris Elmore

1205289

registered interest
date	18/06/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Self-employed: Coronavirus
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what support is available for self-employed people who have become self-employed in the last 12 months.
tabling member constituency	Ogmore
tabling member printed	Chris Elmore
uin	61549
answer	answer is ministerial correction date of answer 23/06/2020 answer text <p>The newly self-employed are eligible for many elements of the unprecedented financial support provided by the Government. This package includes Bounce Back loans, tax deferrals, rental support, increased levels of Universal Credit, mortgage holidays, and other business support grants. More information about the full range of business support measures is available at <a href="http://www.gov.uk/government/collections/financial-support-for-businesses-during-coronavirus-covid-19" target="_blank">www.gov.uk/government/collections/financial-support-for-businesses-during-coronavirus-covid-19</a>.</p><p><strong> </strong></p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman question first answered 23/06/2020 10:24:55 answering member 3991 label Biography information for Jesse Norman
tabling member	4572 label Biography information for Chris Elmore

1197495

registered interest
date	20/05/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	UK Shared Prosperity Fund: Wales
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what discussions he has had with the Secretary of State for Wales on using the Shared Prosperity Fund to support Wales in responding to the covid-19 outbreak.
tabling member constituency	Ogmore
tabling member printed	Chris Elmore
uin	49799
answer	answer is ministerial correction date of answer 04/06/2020 answer text <p>The Chancellor discusses matters of importance to the Welsh economy with the Secretary of State for Wales and Cabinet on a regular basis.</p><p> </p><p>The UK Shared Prosperity Fund will be used to bind together the whole of the United Kingdom, tackling inequality and deprivation in each of our four nations. It will replace the overly bureaucratic EU Structural Funds, and not only be better targeted at the UK’s specific needs, but will match the size of those funds in each nation.</p> answering member constituency North East Cambridgeshire answering member printed Steve Barclay question first answered 04/06/2020 11:01:26 answering member 4095 label Biography information for Steve Barclay
tabling member	4572 label Biography information for Chris Elmore

1194540

registered interest
date	11/05/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Coronavirus Job Retention Scheme
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment he has made of the potential merits of extending the length of time employers can claim for employees through the Coronavirus Job Retention Scheme.
tabling member constituency	Ogmore
tabling member printed	Chris Elmore
uin	45357
answer	answer is ministerial correction date of answer 19/05/2020 answer text <p>The Government has extended the Coronavirus Job Retention Scheme until October 2020. Extending the scheme in its current form until July will provide workers, businesses and the economy with clarity on this support. After July, the Government will introduce more flexibility to the furlough scheme in a measured way that protects people’s incomes and helps support furloughed employees as they return to work. From August through to the end of October, employers currently using the scheme will have more flexibility to bring their furloughed employees back to work part-time while still receiving support from the scheme. Employers using the scheme will start contributing some of the costs of their workers’ salaries, substituting in part the contribution that the Government is currently making. The Government will outline more details of how this will work by the end of May.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman question first answered 19/05/2020 15:24:50 answering member 3991 label Biography information for Jesse Norman
tabling member	4572 label Biography information for Chris Elmore

1194543

registered interest
date	11/05/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Self-employment Income Support Scheme
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment his Department has made of the potential merits of extending the Self-Employment Income Support scheme beyond the single instalment covering three months and capped at £7,500.
tabling member constituency	Ogmore
tabling member printed	Chris Elmore
uin	45358
answer	answer is ministerial correction date of answer 19/05/2020 answer text <p>The UK has one of the most generous self-employed COVID-19 support schemes in the world.</p><p> </p><p>The Self-Employment Income Support Scheme opened on 13 May, ahead of schedule, and it provides support worth up to £7,500 each to millions of individuals. Recipients will have the grants in their bank accounts by end of this month.</p><p> </p><p>The Chancellor will keep the scheme under review.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman question first answered 19/05/2020 15:28:54 answering member 3991 label Biography information for Jesse Norman
tabling member	4572 label Biography information for Chris Elmore

1194545

registered interest
date	11/05/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Business: Coronavirus
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what discussions he has had with the Secretary of State for Business, Energy and Industrial Strategy on long-term support for businesses who have been detrimentally affected by the covid-19 pandemic.
tabling member constituency	Ogmore
tabling member printed	Chris Elmore
uin	45359
answer	answer is ministerial correction date of answer 14/05/2020 answer text <p>The Government has announced unprecedented support for business and workers to protect them against the current economic emergency including almost £300 billion of guarantees – equivalent to 15% of UK GDP. We have taken steps to give businesses access to cash to pay rent, salaries or suppliers, alongside a commitment to pay 80% of the regular monthly wages, up to £2,500, of furloughed workers via the Coronavirus Job Retention Scheme (CJRS).</p><p> </p><p>On 12 May the Chancellor announced that the CJRS would be extended for a further three months until October. The Government will continue to monitor developments to understand the impacts of COVID-19 on business.</p> answering member constituency Saffron Walden answering member printed Kemi Badenoch question first answered 14/05/2020 16:22:57 answering member 4597 label Biography information for Kemi Badenoch
tabling member	4572 label Biography information for Chris Elmore

1188792

registered interest
date	20/04/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Investment Income: Coronavirus
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what financial support his Department is providing during the covid-19 outbreak to people that are paid through dividends rather than a salary.
tabling member constituency	Ogmore
tabling member printed	Chris Elmore
uin	38005
answer	answer is ministerial correction date of answer 28/04/2020 answer text <p>Those who pay themselves a salary through their own company may be eligible to claim for 80% of usual monthly wage costs, up to £2,500 a month, through the Coronavirus Job Retention Scheme (CJRS). The CJRS is available to employers, including personal service companies, and individuals paying themselves a salary through a PAYE scheme are eligible.</p><p> </p><p>Income from dividends is a return on investment in the company, rather than wages, and is not eligible for support. Under current reporting mechanisms it is not possible for HM Revenue and Customs to distinguish between dividends derived from an individual’s own company and dividends from other sources, and between dividends in lieu of employment income and as returns from other corporate activity. Expanding the scope would require HMRC to collect and verify new information. This would take longer to deliver and put at risk the other schemes which the Government is committed to delivering as quickly as possible.</p><p> </p><p>Individuals who are not eligible for the Coronavirus Job Retention Scheme might be able to access the other support Government is providing, including the Coronavirus Business Interruption Loan Scheme and the deferral of tax payments. More information about the full range of business support measures is available at <a href="http://www.businesssupport.gov.uk/coronavirus-business-support/" target="_blank">www.businesssupport.gov.uk/coronavirus-business-support/</a></p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman grouped question UIN 37666 37773 38006 38022 question first answered 28/04/2020 16:18:02 answering member 3991 label Biography information for Jesse Norman
tabling member	4572 label Biography information for Chris Elmore

1188793

registered interest
date	20/04/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Sole Traders: Coronavirus
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what financial support is available during the covid-19 outbreak to individuals who are a sole-person limited company.
tabling member constituency	Ogmore
tabling member printed	Chris Elmore
uin	38006
answer	answer is ministerial correction date of answer 28/04/2020 answer text <p>Those who pay themselves a salary through their own company may be eligible to claim for 80% of usual monthly wage costs, up to £2,500 a month, through the Coronavirus Job Retention Scheme (CJRS). The CJRS is available to employers, including personal service companies, and individuals paying themselves a salary through a PAYE scheme are eligible.</p><p> </p><p>Income from dividends is a return on investment in the company, rather than wages, and is not eligible for support. Under current reporting mechanisms it is not possible for HM Revenue and Customs to distinguish between dividends derived from an individual’s own company and dividends from other sources, and between dividends in lieu of employment income and as returns from other corporate activity. Expanding the scope would require HMRC to collect and verify new information. This would take longer to deliver and put at risk the other schemes which the Government is committed to delivering as quickly as possible.</p><p> </p><p>Individuals who are not eligible for the Coronavirus Job Retention Scheme might be able to access the other support Government is providing, including the Coronavirus Business Interruption Loan Scheme and the deferral of tax payments. More information about the full range of business support measures is available at <a href="http://www.businesssupport.gov.uk/coronavirus-business-support/" target="_blank">www.businesssupport.gov.uk/coronavirus-business-support/</a></p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman grouped question UIN 37666 37773 38005 38022 question first answered 28/04/2020 16:18:02 answering member 3991 label Biography information for Jesse Norman
tabling member	4572 label Biography information for Chris Elmore

1188795

registered interest
date	20/04/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Coronavirus Job Retention Scheme
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment the Government has made of the potential merits of allowing employers to include a proportion of employees wages which are earned through bonuses or commission in claims to the Coronavirus Job Retention Scheme.
tabling member constituency	Ogmore
tabling member printed	Chris Elmore
uin	38007
answer	answer is ministerial correction date of answer 01/05/2020 answer text <p>The objective of the Coronavirus Job Retention Scheme is to enable employers to continue to keep people in employment. To achieve this, the grants compensate employers for the payments that they are contractually obliged to make, in order to avoid the need for redundancies. Covering discretionary payments would go beyond the objectives of the scheme. Full guidance on how to calculate 80% of wages can be found at: <a href="https://www.gov.uk/guidance/work-out-80-of-your-employees-wages-to-claim-through-the-coronavirus-job-retention-scheme" target="_blank">www.gov.uk/guidance/work-out-80-of-your-employees-wages-to-claim-through-the-coronavirus-job-retention-scheme</a></p><p> </p><p>For some employees, the pay in scope for the grant will be less than the overall sum they usually receive. The Government is also supporting those on low incomes who need to rely on the welfare system through a significant package of temporary welfare measures. This includes a £20 per week increase to the Universal Credit standard allowance and Working Tax Credit basic element, and a nearly £1 billion increase in support for renters through increases to the Local Housing Allowance rates for Universal Credit and Housing Benefit claimants. These changes will benefit all new and existing claimants. Anyone can check their eligibility and apply for Universal Credit by visiting <a href="https://www.gov.uk/universal-credit" target="_blank">www.gov.uk/universal-credit</a>.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman grouped question UIN 37401 37550 37717 37798 question first answered 01/05/2020 12:52:21 answering member 3991 label Biography information for Jesse Norman
tabling member	4572 label Biography information for Chris Elmore

1188796

registered interest
date	20/04/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps he is taking to maintain free access to cash withdrawals during the covid-19 outbreak.
tabling member constituency	Ogmore
tabling member printed	Chris Elmore
uin	38008
answer	answer is ministerial correction date of answer 28/04/2020 answer text <p>The Government recognises the importance of cash to the daily lives of millions of people across the UK, particularly to those in vulnerable groups and individuals who may be self-isolating.</p><p> </p><p>The Government is working closely with the cash industry and regulators to ensure that people can continue to access their cash. Customers can continue to use ATMs or cash machines as normal for cash withdrawals and balance enquiries.</p><p> </p><p>LINK, the scheme that runs the UK’s largest ATM network, has existing arrangements in place to protect free-to-use ATMs that do not have another free-to-use ATM or Post Office counter within 1 kilometre. LINK is also supporting the viability of remote ATMs with premium fees paid to ATM deployers.</p><p> </p><p>The Financial Conduct Authority is monitoring the situation closely to ensure that regulated firms are providing clear information about the solutions that they offer to help customers make payments.</p> answering member constituency Salisbury answering member printed John Glen question first answered 28/04/2020 15:04:09 answering member 4051 label Biography information for John Glen
tabling member	4572 label Biography information for Chris Elmore