Deliver Automatic Compensation for Systemic Harm
A simple idea to ensure people are automatically compensated when large-scale harm is identified.
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Activity Listing Details
Ambition
Introduce a Default Redress system where compensation is automatically delivered to affected individuals when systemic harm is identified.
Ambition Type
Personal, Community, Social, Business, Financial, Economic, Political
Level
PL4 - National Participation
Goal
Make Others Aware, Co-Create New Realities
Audience
General Public, Students, Young People (16-25), Parent & Carers, Retired People, Engaged Citizens, Community Leaders & Volunteers, Activists & Advocates, Politicians & Policy Professionals, Professionals & Specialists
Situation
The UK has seen repeated examples of large-scale harm where individuals are required to take action to receive compensation.
This includes cases such as:
– Payment Protection Insurance (PPI) mis-selling
– Car finance commission issues
– Post Office Horizon scandal
– Contaminated blood scandal affecting haemophiliacs
- Grooming gangs cover up
In each case:
– Institutions held the data and responsibility
– Individuals had to identify themselves as affected
– Claims processes were time-consuming and complex
– Many people paid third parties to access what they were already owed
This creates unnecessary friction, delays justice, and reduces fairness.
The Idea
When harm is systemic and identifiable at scale, compensation should be:
– Automatic by default
– Calculated centrally
– Delivered without the need to claim
A standard UK Redress Protocol should be introduced and triggered whenever regulators identify widespread harm.
How It Would Work
– Organisations must identify affected individuals using existing data
– Compensation is pre-calculated using agreed methods
– Payments are issued automatically (opt-out rather than opt-in)
– Individuals retain the right to challenge or appeal
– Oversight provided by regulators such as the Financial Conduct Authority
This includes cases such as:
– Payment Protection Insurance (PPI) mis-selling
– Car finance commission issues
– Post Office Horizon scandal
– Contaminated blood scandal affecting haemophiliacs
- Grooming gangs cover up
In each case:
– Institutions held the data and responsibility
– Individuals had to identify themselves as affected
– Claims processes were time-consuming and complex
– Many people paid third parties to access what they were already owed
This creates unnecessary friction, delays justice, and reduces fairness.
The Idea
When harm is systemic and identifiable at scale, compensation should be:
– Automatic by default
– Calculated centrally
– Delivered without the need to claim
A standard UK Redress Protocol should be introduced and triggered whenever regulators identify widespread harm.
How It Would Work
– Organisations must identify affected individuals using existing data
– Compensation is pre-calculated using agreed methods
– Payments are issued automatically (opt-out rather than opt-in)
– Individuals retain the right to challenge or appeal
– Oversight provided by regulators such as the Financial Conduct Authority
How To Help
- Share this to highlight how current compensation processes fail people
- Bring forward real examples where individuals struggled to access compensation
- Be specific about where systems create unnecessary delay, cost, or complexity
- Identify where organisations already hold the data needed to act
- Challenge processes that require people to claim what is already known to be owed
- Involve people with experience in law, regulation, finance, and public policy
- Compare how different countries handle large-scale compensation
- Explore how a standard redress protocol could be designed and triggered
- Turn this idea into a structured proposal that can be reviewed and tested
- Focus on practical implementation, not just agreement
- Bring forward real examples where individuals struggled to access compensation
- Be specific about where systems create unnecessary delay, cost, or complexity
- Identify where organisations already hold the data needed to act
- Challenge processes that require people to claim what is already known to be owed
- Involve people with experience in law, regulation, finance, and public policy
- Compare how different countries handle large-scale compensation
- Explore how a standard redress protocol could be designed and triggered
- Turn this idea into a structured proposal that can be reviewed and tested
- Focus on practical implementation, not just agreement
Outcomes
Clear and practical:
– Automatic compensation for affected individuals
– Reduced need for claims management companies
– Faster resolution of large-scale issues
– Lower administrative burden on individuals
– Increased trust in institutions and regulators
– Automatic compensation for affected individuals
– Reduced need for claims management companies
– Faster resolution of large-scale issues
– Lower administrative burden on individuals
– Increased trust in institutions and regulators
Act Now
Join Ideas-Shared, Rate Listing, Share Listing
Status
At Step 3 - Sharing Only
Map Reference
Address
10 Downing Street, 10, Downing Street, Westminster, Covent Garden, City of Westminster, Greater London, England, SW1A 2AA, United Kingdom
10 Downing Street, 10, Downing Street, Westminster, Covent Garden, City of Westminster, Greater London, England, SW1A 2AA, United Kingdom
Interest Areas
Contact Details
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