Born in Ealing, the son of a doctor from Weston-super-Mare, Cotter was educated at Saint Benedict's School, Ealing, and Downside School in Somerset, where, aged sixteen, he ran a 4½ minute mile.[1] Upon leaving school, he entered the British Army, serving two years National Service, spending time stationed in West Germany.[1] He entered business after leaving the army. He studied Business Studies at a polytechnic in London, eventually running his own small manufacturing company, Plasticable Ltd in Alton, which is now run as a co-operative.[1]
After unsuccessfully contesting the seat in 1992, Cotter was elected the Liberal Democrat MP Member of Parliament for Weston-super-Mare in 1997. This was the first time the constituency had not returned a Conservative MP since 1923.[1] He was re-elected in 2001, but lost the seat to John Penrose of the Conservatives at the 2005 general election. Throughout his time in Parliament, he served as the Liberal Democrat spokesman for small business.[1]
In April 2006, it was announced that Cotter would be created a life peer to join the Liberal Democrat ranks in the House of Lords, and on 30 May he was created Baron Cotter, of Congresbury in the County of Somerset.[2] He delivered his maiden speech in the Lords on 29 June.[citation needed]
Cotter took an interest in a number of areas, and on various issues as they arose. Specifically, before the coalition government was formed in 2010, he led for the Liberal Democrats on Small Business issues and vocational education; specifically apprenticeships. Within the coalition, he concentrated on business and vocational training issues.[1]
Cotter married Eyleen Patricia Wade in February 1963. They had two sons and a daughter. Lord Cotter died from complications of dementia on 14 November 2023, at the age of 87.[4][5]