the government faces calls from its own mps to scrap plans to limit access to a key disability benefit. and in the next hour: car insurance premiums set to soar after compensation changes. the industry experts say that the average price of premiums could increase by up to £75 as a result of a government ruling. and the rebirth of a classic. the nokia 3310 is back but with a colour screen and extra battery life. good afternoon and welcome to bbc news. it really shouldn't have been that difficult... opening the right envelope at the right time and naming the right film. but at the oscars last night, in front of a global audience of millions,

it all went horribly wrong. warren beatty and faye dunaway announced to the world that the winner of best film was la la land. the only trouble was, it wasn't. the mistake was only put right in the middle of gushing speeches by the team behind the modern musical. david willis now, on a twist worthy of any hollywood blockbuster. what should have been the climax of the glitziest night in tinseltown turned into a hollywood farce. warren beatty was about to announce the academy award for best picture... and the academy award... but seemed confused. ...for best picture... in the end, faye dunaway made the announcement. la la land! and la la land's producers were midway through their acceptance speeches when on came the man in the headphones, frantically trying to clear the stage. it turned out that la la land hadn't won the oscar after all — it belonged instead to the producers of moonlight, the

low—budget underdog. this is not a joke, moonlight has won best picture. "moonlight, best picture." la la land producerjordan horowitz gallantly handed the oscar over as the audience looked on aghast. it was left to an embarrassed warren beatty to try and explain the producer's mistake. i want to tell you what happened... i opened the envelope and it said, "emma stone, la la land." that is why i took such a long look at faye and at you, i wasn't trying to be funny! moonlight, the drama of a gay black man growing up in miami, was dwarfed by la la land in terms of nominations, but it ended triumphant in the most extraordinary of circumstances. very clearly, even in my dreams this could not be true. but to hell with dreams, i'm done with it because this is true! oh, my goodness!

moonlight‘s triumph capped a record—breaking night for african—american talent, which the oscars have been criticised for overlooking. mahershala ali. the star of moonlight, mahershala ali, became the first muslim actor to win an academy award. viola davies was named best supporting actress for her role in fences. casey affleck was named best actor for his role in manchester by the sea, and la la land captured six awards, 32—year—old damian chazelle becoming the youngest person in oscars history to be named best director. its star, emma stone, picking up the award for best actress. i still have a lot of growing and learning and work to do, and this guy is a really beautiful symbol to continue on thatjourney, and i'm so grateful for that. but who won what was eclipsed

by that extraordinary blunder over best film. is that the craziest oscar moment of all time? cool! my heart was a little broken but it was kind of, just like one of those things that gets thrown at you and you can kind of choose to lean into it or push away from it, and, as i said, it was a real honour to be able to give it to them. the blame seems to rest with the people who hand out the winners' envelopes, of which there are two identical sets kept at either side of the stage. employees of the accountancy firm pwc hand them to the presenters as they walk on. in a statement, pwc said it was trying to work out how the mix—up occurred. the presenters had mistakenly been given the wrong category envelope and when discovered the error was immediately corrected, the statement said. pwc has overseen counting of

the oscars for more than 80 years. the fact that such an extraordinary episode was allowed to play itself out in front of an audience of millions around the world will no doubt be a source of soul—searching for quite some weeks to come. let's remember, it's just an award show! and the past, we are going to have much more from the oscars, talking about the mix up and the fashion. the independent inquiry into child sexual abuse in england and wales has started its first public hearings. it's beginning by focusing on the cases of british children sent to australia between 1945 and 197a. henrietta hill qc, counsel for the inquiry, said claims of "systematic sexual abuse" in institutions and work environments would be heard. live to the inquiry in central london, and jane hill. we'll come back to this opening day,

such an important moment at the enquiry, for the child sexual abuse in england and wales. we are going to learn about how we reached this point, however, unfortunately over the last 60 minutes this opening day has been somewhat overshadowed by a data breach. it was sent out to a forum, the enquiry the victim and survivor forum, the group of people it was sent to people who have registered to receive information about the enquiry, and many of whom by definition have been victims of sexual abuse. an e—mail was sent out, it transpired and subsequently

an apology, because the e—mail contained the addresses of a large number of people and clearly was a data breach. an apology has been issued by the enquiry, we apologise to those recipients whose e—mail addresses were mistakenly accessible on the list. that is as much as we know at this stage. it is an embarrassing start to this important and quietly. and the number one, it has been a long time coming, under professor alexis jay, the fourth person to read this enquiry. resignations led us to this point and concerns have been expressed about the scale and scope of the enquiry. it could take many years before it reaches its final recommendation. this report, on

today's proceedings from homerfeels correspondent. showed migration programmes or large schemes in which thousands of children, many of them vulnerable, poon children, many of them vulnerable, poor, abandoned and the legitimate, systematically and permanently migrated to remote parts of the british empire. they were being offered a new life, and countries like as failure, described as white anglo saxon stock. but the enquiry with your that they would get little understanding about how the lights would change. many would say that they were taken without the consent of pa rents they were taken without the consent of parents and guardians. many will say that they were wrongly told that

they were orphans, wrongly separated from siblings, denied basic details about identity. but this is an enquiry about sexual abuse, at places like the catholic school at western australia, victims coming back to the country of birth to get evidence. we were seeing what we can only describe as labour camps, starved, beaten, abused. all ties severed. the woman who uncovered the scandal in the 1980s will also give evidence. we want to know what has happened, who has done it and to cover the top for so long. of course, we need to know about it. consequences for children today. the long—term consequences... consequences for children today. the long-term consequences... and it is going to be harrowing. this man has extensively researched history. that

enquiry is continuing and we can just see inside the building, at central london. you can see that the afternoon session is under way. witnesses from australia, as you will gather, making up so much of what we will hear this week and next week. all part of the investigation into children, so many children who we re into children, so many children who were horrifically abused after being sent from this country to the colonies, particularly australia. our very large number of them going to australia. and this element of the enquiry, focusing on children suffering between 1940 and 197a. that is much of what we will be hearing, distressing evidence to come today and for the next two weeks. of course, we are keeping an

eye on that and i will be back with more after half past. thank you. more now on the news that the government is facing calls from conservative mps to scrap plans to limit access to a key disability benefit. it's thought changes to the rules on who qualifies for the personal independence payment could affect around 160,000 people. i'm joined now by conservative mp heidi allen, and heidi you believe the rules on disability benefits should be re—examined? yes. i do. yes. ido. i yes. i do. iam yes. i do. i am a member of the work and in select committee, and to general work as an mp, and i spend a lot of time looking at how pip works. i think that many charities, disability charities, we should look at the pip process. and these rulings suggest that the scope of

pip needs looking at again. that is what thejudges are pip needs looking at again. that is what the judges are saying and we need to accept the findings. we need to use that mechanism to look at the whole system. but can the country afford that? we are talking about 160,000 people. it is roughly about half a million per year. if i was in the minister's shoes, i would accept the minister's shoes, i would accept the ruling. i would take the process back to the drawing board, to the disability organisations. the government is doing so much work on the disability green paper, about how we can better support disabled people. and we need to make sure that the budget is there accordingly. if we can manage the systems, we have to have savings but we have to have the system that can work properly for people with physical and mental health systems.

do you think people are exploiting the system? with any system in life, people are exploiting it. it is not something i have particularly come across. i do not think equally that is why the government are looking to change the policy. it seems to me that the courts have made an important ruling, something that we are all aspiring to, that mental health and physical health have parity of esteem. that is what the ruling has said. that is why pip needs to be looked at again, so it looks after people with mental conditions. do you think it is tainted go back to the drawing board, because we have been talking about disability benefits for many forms. absolutely. the government is doing a good job. the disability minister has been really earnest in her request to improve opportunities

for disabled people. the pip process , for disabled people. the pip process, and implement support allowa nce, process, and implement support allowance, if you were to look at those because they are actually very similar, they are not especially fit for purpose. especially when it comes to mentally, people with mental health. we want to look at this and do it properly. vicki young is at westminster. this is the sort of area when governments can run into trouble and we saw that last year with the conservative government after plans to make cuts to the amount of disability benefit that people were going to get. george osborne mp, then the chancellor, was forced to ditch the idea altogether. and a large number of conservative mps very unhappy about all this. they thought that the vote the wrong message, about helping people, who were most in need. on occasion one minister,

stephen crabb, he said that he was not happy with those plans and he would have been willing to resign from hisjob. iain duncan smith dead resign. —— did. although we have anxiety about all this, some mps from last thing do not feel the same about what is going on. this is what stephen crabb said earlier. nobody is stopping, this is not about preventing anybody from applying for personal independence payments. it is about drawing distinctions between different kinds of people living with different illnesses. one of the tribunal decisions relates to people's mobility, moving around. we have always drawn the distinction between people navigating, because they are for example blind, from somebody with a psychological illness. what the tribunal has

decided, these should potentially be lumped together. we do not think thatis lumped together. we do not think that is right. on this occasion, i think it is right the government comes back and gets greater clarity to the law. the point from the government, about what the courts have done, is that they have interpreted the law in a different way. extending by a large amount the number of people who would be eligible for these payments. and ministers have said that is not how it was intended. we will have to see what the house of lords think about this, they were the ones the last thing you were unhappy about the cuts that were going to be coming. we will have to see if they are going to defy the government again. the headlines on bbc news: an apology is issued after the wrong film was given best picture at the oscars moonlight eventually got the

award. two and a half years after it was set up, the independent inquiry into child sexual abuse holds its first public hearings. the government faces calls from its own mps to scrap plans to limit access to a key disability benefit. and craig shakespeare is going to ta ke and craig shakespeare is going to take charge of leicester city for the first time as they face liverpool this evening, finding themselves in the relegation zone for the fostering the season. jose mourinho has asked manchester united fa ns to mourinho has asked manchester united fans to camp out outside of the zlata n fans to camp out outside of the zlatan ibrahimovic‘s home after he secured the efl cup last night. and the england head coach has criticised italy for the tactics in the weekend's six nations match. england came back from behind to win. i will have more on those stories that have passed. —— at half past. average car insurance premiums could increase by up to £75 a year as a result of a government ruling, industry experts have said. a new formula for calculating compensation payments for those who suffer long—term injuries has

been announced by the ministry ofjustice. we are going to talk about the implications. with me is huw evans, director general of the association of british insurers. for anybody worried about their premium, just explain what this new rule is, and why it is going to have an impact on insurance payments. this formula, it is designed for people who have major life changing entry, as a result of an accident or something at work. they have compensation for loss of earnings, and to help care costs. it as a formula that has been in place since 2001, calculating the correct amount. what has happened today, the justice secretary has announced she is going to be changing that formula dramatically, from the basis it has been used, driving up a huge level of cost for the insurance industry

and therefore premiums for customers. she said she has got no choice. i am clear this is the only legally acceptable rate.|j choice. i am clear this is the only legally acceptable rate. i am very surprised she said that, because her own department consulted on ways that she could do things differently. that is the opposite to what department said. we have been engaged in discussion for many yea rs. engaged in discussion for many years. it has to be fair to claimants, who need this help but also motorists, everybody else, do not pay for an artificially high amount. your costs, insurance company amount. your costs, insurance com pa ny costs a re amount. your costs, insurance company costs are going to go up. pass this onto the consumers, drivers, premiums go up? billions of billions of pounds added onto an industry in one single day it is inevitable the cost to consumers is going to go up. we have flagged this, and urged them to set the war

ina this, and urged them to set the war in a different way, still time to do that and we would see government and mps to look at amendments for the bill but is currently at the commons to get more stable framework. it does not have these impacts for customers. how much are premiums going to go up? some of the estimates by independent analysts have looked at £50—75. but particularly for young drivers, it could be worse because these accidents frequently involve them, terrible accidents, and young people it is already more expensive to insure them but the impact could be greater. these insurance companies make huge profits. why cannot they absorb these costs? why do they have two what article pass it onto the customers? i do not think industries in britain could take a hit billions in one day and not pass it on to

customers. but surely they could absorb some of that. it is a competitive market, that is entirely great but we would not be in this position in the first place. we want to reflect how people actually invest these songs in the first place. it is entirely broken and something that should have been changed years ago. your message, think again to her? still time to think again to her? still time to think again to her? still time to think again and reach an agreement. thank you very much. schools are facing their first real—terms cuts to funding since the mid 90s — that's according to research out today. the institute for fiscal studies has examined education spending across the board from early years to university. the national association of head teachers and the national association of governors have written an open letter to the chancellor asking him to make schools a priority in the budget. our education correspondent gillian hargreaves reports. this high school in west sussex

is struggling to make ends meet. according to the head, class sizes might have to get bigger and teachers may not be replaced when they leave. heads are warning that rising costs mean there is less money to go around. now, in an open letter to the chancellor of the exchequer, heads and school governors say they need more cash. in the letter say governing bodies and schools are being forced to make impossible choices as a result of insufficient funding. it is a claim that doesn't surprise parents. we are facing an unsustainable funding situation in our schools and the government is not listening. we felt that as parents we had to enter the debate to make the parent voice heard because nobody voted for the cuts and nobody wants to see school funding cut. there has been significant investment in england's schools in the past 20 years, but teachers say running costs are going up as are pension contributions and national insurance. they say balancing the books is becoming increasingly

difficult. so while there will be cuts, that's after years of education being a priority. the cut to school spending per pupil will be 6.5%. that will reverse about 20% of the growth in school spending per pupil that happened over the 2000s. it is clearly a large cut, but it will still leave the big increase that happened over the 2000s there. the government points out it is spending £40 billion on schools in england this year. the highest cash figure ever. ido i do not think that the next budget is going to be particularly good news, if we are asking for a big increase of the total budget. with a budget only ten days a week, schools are going to be competing against other public services to try to convince the chancellor to give them more money. some 500,000 nhs documents

containing medical information, including cancer test results, were mistakenly put in storage rather than being sent to the gp orfiled in the patients' records. with me is our health editor hugh pym. what has actually happened? this is about half a million documents, a great deal in them, test results for illnesses such as cancer. and the documents either had incorrect gp addresses or went to the re—routed to new gps. nhs england employed a private company, called nhs business services to ensure that they ended up services to ensure that they ended up at the right address. but instead of doing that itjust stored the documents. the mistake happened over a number of years, from 2011 to 2016, east midlands, south west of england and north—east london. it is

thought to those in 500 patients could have been affected. staggering numbers. people are understandably going to be worried. what has been the reaction? we know that the health secretary discourse this in the summer. he said that the mistake had been made. but what he did not do was say that quite a number of patients had been involved. and today, labour have accused the government of a cover—up. today, labour have accused the government of a cover-up. this is an absolute scandal. and patient safety has been put at risk. nhs bosses are still investigating, as a result of this incompetence. this has happened onjeremy this incompetence. this has happened on jeremy hunt's watch. this incompetence. this has happened onjeremy hunt's watch. he goes on about transparency, but it seems as though they have tried to cover this up. strong reaction from the royal couege up. strong reaction from the royal college of gps, saying this was potentially posing a serious risk to patients. it is asking questions about private companies, bidding for contracts and if they really know

how complex the job is. the bbc has ordered an investigation into reports tv licence collectors have been targeting vulnerable people, spurred on by an aggressive incentive scheme. a daily mail investigation claims bosses at capita, which collects the fee, promised bonuses of up to £15,000 a year to catch 28 evaders a week. time now for a look at the weather. a lot has been going on. as many people have noticed, especially at england and wales. some thunder, sleet and snow, notjust on hills, but that is not the whole story. scotla nd but that is not the whole story. scotland and ireland enjoying some sunny weather at the moment but through parts of southern scotland and north—east england some rain and some sleet and snow going down to

relatively low levels. it will be clearing away for the north sea as we go tonight. more showers tonight. also, widespread ice. soapy were of that. and tomorrow morning we are going to get more wet, windy weather going to get more wet, windy weather going to get more wet, windy weather going to scotland and northern ireland and across the irish sea and to wales, especially for the hills. elsewhere, we could get some sunny weather but expect some showers developing, and thunder possible. some sunny spells in between. colder speu some sunny spells in between. colder spell compared to this time last week. existing unsettled this week andi week. existing unsettled this week and i will tell you more about that before the top of the hour. hello. this is bbc news. will this go down in history

as the most awkward oscar moment of all time? la la land's producers were halfway through their acceptance speeches for winning best picture — when it emerged moonlight had actually won. more than two and a half years after it was set up, the independent inquiry into child sexual abuse has started holding its first public hearings. the sessions are focussing on the abuse of british children who were sent abroad after the second world war. the government is facing calls from its own mps to scrap plans to limit access to a key disability benefit. it's thought changes to the rules on who qualifies for the personal independence payment could affect around 160,000 people. insurance companies are warning that a decision by the government to increase compensation payments for long term injuries

will mean customers paying more for car insurance. and a blast from the past — the nokia 3310, the phone that was once renowned for its sturdiness and long battery life, is making a comeback in a colourful re—imagining. did you have one of those? i will probably still get one. now for a look at the sport. leicester city will play their first match since they sacked their manager. they have dropped into the relegation zone for the first time this season and have yet to appoint another manager. there are a number of possible candidates. the

italian‘s final match in charge with the 2-1 italian‘s final match in charge with the 2—1 defeat in the champions league last week. if we play our best, we will be difficult to play against whoever. that's what we're thinking about. i saw the champions league game. i have already said it was unbelievable. the change in this one second when they scored a goal. and maybe they can keep this and we have two, yes... not make it too easy for them. or if not, then it's a job not to let their confidence grow. i would like my teams to play with flair, but also, obviously, i like clean sheet as well. we playing against a very, very good team on monday night, so we have to be tactically aware. we know what their strengths are. i like to know what the strength of the opposition are. but i also like my team to go about their job but i also like my team to go about theirjob in the right way. britain mightfind it theirjob in the right way. britain

might find it hard to host showpiece european football matches when the united kingdom meets the european union. that is according to the uefa president. he says of brexit goes ahead, then they may need to look elsewhere when finding venues for games at the champions league final. he said it had a problem for players and fans to come to the uk while players and fans from the uk can travel out with into europe and beyond, then he thinks that there may be issues about bringing european showcase finals to british orders. of course, the euro 2020 semifinals and final will be played at wembley and he says don't worry, there is no question of taking those away, they are a firm, but beyond that, well, you certainly has an eye on the implications of brexit for the european game and whether it will come to britain. manchester united managerjose mourinho once zlata n united managerjose mourinho once zlatan ibrahimovic to see at the clu b after zlatan ibrahimovic to see at the club after his winning goal secured

a 3—2 victory over southampton to clinch the efl cup. the swede scored twice on sunday but that match. he had a one—year deal at the beginning of the season, but he has the option to extend. i don't beg for players but if needed i think maybe united fans can go to the door of his house and stay there, and stay there all night if needed. i think they will go for sure. jose mourinho has urged fans to camp outside that and ibrahim pitch's has. he spoke about his residence after the match. i have a house only for my medals. it is in the museum. laughter and no to rugby, or perhaps not, as eddiejones says and no to rugby, or perhaps not, as eddie jones says england and no to rugby, or perhaps not, as eddiejones says england pot match against italy was not rugby. this

was down to tactics in the 6—nations—mac is a decision not compete at the breakdown meant that neither rucks nor an offside lane was formed. the first england confused and behind at the second—half. this ensured a bonus point win for the home side at twickenham. he was not impressed. it was not rugby, let's face facts. you must have an offside line to play the game. italy was smart and congratulations to their coaching staff and their players, they executed their plan brilliantly but it was not brilliantly. if i were the bbc i would be asking for my money back because we have no rugby game. we need to go outside and train now so we get some proper rugby. that's all your sport for now. more in the next hour. as you've been hearing, moonlight has won best picture at the oscars — but only after an error saw la la land initially declared the winner. the la la land producers were in the middle of their acceptance speeches when the mistake was discovered.

it could only happen in la la land. price waterhouse cooper — the accounting firm responsible for adjudicating the result released a statement explaining what happened. they said... the presenters had mistakenly been given the wrong category envelope and when discovered, was immediately corrected. we are currently investigating how this could have happened, and deeply regret that this occurred. it doesn't really explain anything. so to talk more about the ceremony that had more than one or two surprises is british film maker and journalist ashley clark. you have been in the states for all the build—up to the oscars. so much anticipation and then this extraordinary mix—up. anticipation and then this extraordinary mix—uplj anticipation and then this extraordinary mix-up. i would like to thank them for making me feel a bit more at ease now. i don't know ifi bit more at ease now. i don't know if i could quite match what he did. a remarkable ending to a pitched battle between two songs that had emerged over the course of the last

few months. they real frontrunners. moonlight is this underdog, wonderful low budget film a young black gay man in the miami to commute through his whole life. that is versus the bigger budget, romantic hollywood film, la la land. it was unsure who was going to win right up until the last moment. even at the last moment, it was unsure. you did not rate that. how could it possibly have been? surely there is someone possibly have been? surely there is someone standing there with the one for best picture and one with best actor. how does it work?|j for best picture and one with best actor. how does it work? i hope that emma stone was in the envelope on a previous card and perhaps in the heat of the moment, you over prepare and forget the tiniest detail. how wonderfulfor the and forget the tiniest detail. how wonderful for the climactic event of the evening. are you happy that moonlight one? it's a great phone. foul is a great film, but in a

different way. like all the films, how do you compare them? they are chalk and cheese. the oscars fun together a very small collection of films and is hard to argue that the best films of the whole europe from all over the world are fairly represented. on balance, moonlight does something i have not seen before in a phone and ultimately, the best thing the script can do is shine a spotlight on underappreciated film—makers. i hope its women encouraged other film makers and different backgrounds to makers and different backgrounds to make more interesting and challenging material. all the headlines were about the mistake, not the film. do you think moonlight lost its moment of glory because of this? it is a shame that we are talking more about the mix—up. i think over time, that will subside and people will come to look at the storm as a greek text in terms of

issues of representation and black identity on screen. i think the wonderful, sensitive piece of work. i think it will far outlast this mistake. you said it was low budget. it cost $1.5 million to make. it was symbolic that he made his follow—up film, damien chazelle, and that cost $15,000. film, damien chazelle, and that cost 515,000. la la film, damien chazelle, and that cost 315,000. la la land film, damien chazelle, and that cost $15,000. la la land struggle to get that made and that wasn't that high a budget compared to some hollywood blockbusters. no, but it had a lot going for it in terms of being nostalgic and about hollywood. i don't want to say pandering, that's harsh. let's look at foreign funds. how significant was the win for the salesman? again, it is fantastic opportunity to amplify a message.

the director brought in people who work in space travel to deliver his speech for him, which sends in a global, universal message. i hope that amplifies his work and shine the spotlight. these are uncomfortable issues. some people are happier, talking specifically about the travel ban with donald trump. some people are happy to think it doesn't affect them. on a state as big as this, free message like that the broadcast, i hope people will be talking about it. that talk about a lack of diversity in hollywood in general, especially at the oscars. do you think this year with different? yes, it was definitely a lot more diverse. the president of the academy and what she did was something that was really important. she instituted concrete changes within the academy in terms of the membership rules. behind the scenes as with the changes happened. on—screen representation is one thing the

voters has changed? make-up of the borders has changed the more diverse which is important. how was it for a british film? pretty quiet. there was a winner in the shorts category i believe. it comes and goes for britain in the states. we are having success with actors over there and every few years, a mike leigh or a ken loach might get some respect. there is still work to be done in that respect. thank you, ashley. and we can't cover the oscars without some mention of — or look at — what the stars were wearing. here's our round—up of some of the more striking outfits. and to let you know —there are some flashing images coming up. music. didn't they all look absolutely lovely? environmental campaigners say household recycling levels are too low in england because council

schemes are too confusing. keep britain tidy says at least 300 systems are in use and government figures show one council's recycling rate is just fifteen percent. dianne oxberry reports. bin collections in england are disparate and complication stilling icon located they are being blamed for drop—in recycling rates. keep britain tidy says there are more than 300 systems to collect household waste and people are confused as to what they can and cannot recycle. the group wants people to impose a blueprint for reciting to make the situation simpler for household. it's difficult to have a national conversation about what we should recycle and what we shouldn't when people are doing something different. every local authority in the uk has been given the target of

recycling 50% of its waste by 2020 to meet eu guidelines. the figure obtained by bbc inside out north west reveals some councils are recycling as little as 15% of the waste. london boroughs are amongst the worst offenders with none of the councils in the capital currently hitting the 50% mark that they will have to reach within the next few years. keep britain tidy believes we can learn from wales which has a 60% recycling rate, the devolved government has set ambitious targets and every household has food waste collected. that's incredibly important as we waste 7 million tonnes of food in the uk every year. an apology‘s issued after the wrong film was awarded best picture at the oscars, following an envelope mix—up — moonlight eventually walked off with the award. the independent inquiry into child sexual abuse in england and wales has begun — more than two and a half years after it was set up. the government faces calls

from its own mps to scrap plans to limit access to a key disability benefit known as personal independence payments. in the business news: car insurance premiums could be set to rise by up to £75 a year, following a government shake—up of the injury pay—out scheme. a discount is applied to pay—outs for personal injury when they're awarded as a lump sum. but the change means pay—outs will be higher for victims of accidents, because low interest rates mean they won't get much of a return when they invest the lump sum. persimmon, one of the uk's biggest house—builders, reports a 23% jump in annual profit. the company sold more than 15,000 new homes last year — that's 600 more than in 2015. and average prices were up almost 4%. it says, attractive mortgage products and the government's help to buy scheme remain important in supporting first—time buyers.

more energy customers changed suppliers last year than in each of the previous six years. it seems we're increasingly shopping around for the best deal. bill payers switched providers more than seven million times, saving potentially more than £200 a year, according to ofgem. a government shake—up of the way personal pay—outs are calculated could leave 36 million individual and business motor insurance policies worse off could be worse industry specialists claim the new formula for calculating compensation payments, for those who suffer long—term injuries, will leave policy holders an average of £75 worse off. joining us now is alexis roberts, an insurance partner, at pinsent masons llp. let's talk about what this means, what these changes mean. for people receiving awards, it means they will receive a greater reward

effectively. the way in which rewards were calculated previously, the desk of 2.5 applied. the death count on awards will be greatly reduced and therefore greater awards will be made to personal injury claimants. we know that it is affecting jungle people more in terms of cost. that is because they will be objected to a an increase in premium for some customers. the reason that younger customers had been identified is that generally, in some respects, they are regarded at greater risk to insurers and i may be disproportionately affected by the increase in premium rates that may result from this decision. how our businesses affected? quite significantly. for insurers, they

will have to have greater reserves in relation to personal injury claims. that will have an effect on capital appliance. they have already made provisions and elation to this. the impact of timing in big that significant. it will lead to an adjustment in the short—term. significant. it will lead to an adjustment in the short-term. some big insurers in the country have, today and said they are not very happy about the changes. they think it will impact their finances. what are the issues with these specific moves by the government? the key factor is that the method in which the discount rate is calculator. it is uploaded in regard to government linked securities. —— it is calculated. they look at the way the claimant can receive benefits of a long time. many investments would achieve a better return across the

longer term three more balanced range of investments. the industry pot view is that the method of calculation is probably wrong and unfair in the calculation of damages. thank you forjoining us. india's finance minister has said that a free—trade deal with britain would take a long time and no negotiations will start until the brexit negotiations have been completed. india is central to the uk in terms of securing deals with non—european countries. uk in terms of securing deals with non-european countries. ascribes the uk and the united kingdom and india are concerned. we are at a stage where unless the article 50 is invoked and there after the brexit negotiations are completed, and the uk finally is eligible to negotiate an agreement, there can be a formal dialogue and an agreement only at

that stage. there is a waiting period, but i do understand that there is a great enthusiasm in both countries and in the governments of both countries to go forward. particular to the markets before we go. insurers are down today after that announcement. with direct line down slightly and also the other major insurers don't. that's it for me. i will be back later with more business news. it's been nearly a fortnight since the murder in malaysia of kimjong—nam, the half brother of north korea's leader. malaysia's health minister has suggested that it took mr kim up to 20 minutes to die, saying that while the dose of the toxic nerve agent was very high, it would not have killed him immediately. but what more do we know about the operation that led to his murder? rupert wingfield hayes has been investigating. this was one of the most brazen killings of recent years. this is the spot where he was attacked. just

ta ke the spot where he was attacked. just take a look around here. this is overlooked by at least six cctv cameras. just the few meters away in this cafe, at one of those tables, for a north korean men were sitting watching. all four are now wanted by the malaysian authorities. one is reportedly a known north korean security agents. after the attack was over, they got up and headed for departures. a few minutes later, they boarded a flight to jakarta and then onto device. what about the two young women accused of carrying out the attack? one is from vietnam, the other indonesian. this woman was working in this hotel behind me here any matic parlour on the second floor. in malaysia, the mathers partners are often a front for the sex industry. it's fairly clear that both these women were living a fairly precarious existence. she

told the police she was approached bya man told the police she was approached by a man calling himselfjames. he offered her a chance to take part in atv offered her a chance to take part in a tv reality show. it turns out james is actually north korean. the final key suspect wanted by the malaysians is to be hauled up in this building behind me. this man is the second secretary at the north korean embassy. watch his alleged role is we don't not know. your public never find out, role is we don't not know. your public neverfind out, because he has diplomatic immunity. so much of this story does not add up. why such a public place? why hire to foreign women to carry out the hit? why use such a rear women to carry out the hit? why use such a rear nerve women to carry out the hit? why use such a rear nerve agent? was the killing a chilling warning to north korea's enemies? or did they think they would get away with murder and something went wrong? once upon a time, when the idea of taking pictures on your phone seemed laughable, and twitter wasn't even a thing, the nokia

33—10 ruled the world. but when smartphones took over, it quickly fell out of fashion. but now it's making a comeback, and you can still play a game of snake on it, as our technology correspondent rory cellan—jones has been finding out. barcelona, and as the mobile phone industry arrives for its annual jamboree, there is nostalgia in the air. singing the nokia tune. nokia, a name that used to rule the mobile world, is making a comeback. this was its first chance to make a big splash. and, with a range of new smartphones, it unveiled something very retro, last on sale in 2005. let me reintroduce the nokia 3310. you cannot do much with this phone except make calls and play a game of snake, but the battery lasts forever. well, almost.

we asked consumers what is the most iconic device that you have ever seen from nokia? we thought, let us have some fun and be creative with this device. this may be fun, but let's face it, it is a gimmick. if nokia wants to be a major force in the world again, it will not be because of the 3310, but a new range of android smartphones. this is already selling well in china. but competition in a market where smartphones all look the same is tough. so perhaps it was smart to look backwards as well as forward. by bringing out this truly iconic device with bags of nostalgia, for many people it was their first mobile phone. it captures their attention, and let them know that nokia is back. will it appeal to the public? maybe with my parents' generation, but not something i'd be interested in. i would switch my phone. even if it had no internet?

i would change my mind. here is another phone making a comeback. this is the blackberry key1, launched by a chinese firm. two big names making an unlikely bet they could be big again in the future. rory cellan—jones, bbc news, barcelona. are you going to get one? yes, why not? i like the orange one. other brands are available. other brands are available. time for a look at the weather. alternates of weather variable this afternoon. here we can fine snow on the ground, a pretty funky looking picture. not much fun driving

through these conditions. we have had snow in north wales. relatively low levels across parts of northern scotland. low pressure in charge of our weather. not just today, throughout this week. often changeable, calder as well compared with last week. that calder area has pitched in and we are at eight celsius. a strong wind across southern england. pushing the showers through. some hail, thunder and lightning. sleet and snow on the hill fog. low levels in parts of southern scotland and north—east england going into this evening. difficult travelling conditions around, that is clear. take it easy out there. gaps showing up in between the showers, but they may not last too long. wintry weather into parts of southern scotland, northern england. one or two showers, a lot of dry weather this

afternoon. many of us seeing some sunshine. it will turn quite chilly quite quickly tonight, across particularly the north and east of scotla nd particularly the north and east of scotland and into north—east england. freezing fog patches are possible, because the wind is like here. continuing to fade share through from west east. temperatures dipping, frustrate some of us. we are more concerned about ice on untreated surfaces going into tomorrow morning. tomorrow morning will bring wet weather pushing through northern ireland and into scotla nd through northern ireland and into scotland and england. eventually into wales the midlands. a windy day through northern ireland. a blustery picture. elsewhere, sunny spells tomorrow, but heavy showers around and temperatures stuck in single figures. frost and ice again on wednesday morning. watching this area of wet weather heading up from the south. possible sleet and snow on the hill fog. quite a lot of that

going to make a wednesday into the evening. we will monitor that situation. further showers to come on thursday and friday. turning a little less cold across southern parts of the uk. i don't think we will notice much change the further north you are in the uk. let's take a look at what's happening beyond friday. you can check out online. i will be back in half an hour. this is bbc news. i'm ben brown. the headlines at three. drama at the oscars provides the ultimate cliff—hanger, after the wrong film is announced for hollywood's top award. this is not a joke. moonlight has won best picture. moonlight. moonlight best picture. it's a moment i'm never going to forget. i don't think it's ever happened in

the history of the oscars. it was a little awkward. an apology‘s been issued following the blunder. we'll have the latest from hollywood on what was an extraordinary night. the other headlines on bbc news. the independent inquiry into historical claims of child abuse has begun, the first hearing focuses on british children sent to australia after the second world war.