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1677140

registered interest
date	11/12/2023
answering body	Department for Environment, Food and Rural Affairs
answering dept id	13
answering dept short name	Environment, Food and Rural Affairs
answering dept sort name	Environment, Food and Rural Affairs
hansard heading	Floods: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Environment, Food and Rural Affairs, what discussions he has had with the Secretary of State for Levelling Up, Housing and Communities on access to the Flood:RE scheme by leaseholders.
tabling member constituency	York Central
tabling member printed	Rachael Maskell
uin	6303
answer	answer is ministerial correction date of answer 19/12/2023 answer text <p>Defra works closely with the Department for Levelling Up, Housing and Communities, and with the insurance industry, to consider access to the Flood Re scheme. The Flood Re scheme allows for those living in properties of three units or less where the freeholder lives in one of the units to be offered discounted premiums. Blocks of four or more units are classified as a commercial business, the Flood Re scheme does not apply for buildings insurance. All tenants and leaseholders, regardless of the size of block, are able to obtain contents insurance supported by Flood Re.</p> answering member constituency Keighley answering member printed Robbie Moore question first answered 19/12/2023 11:40:23 answering member 4861 label Biography information for Robbie Moore
tabling member	4471 label Biography information for Rachael Maskell

1666077

registered interest
date	19/10/2023
answering body	Department for Environment, Food and Rural Affairs
answering dept id	13
answering dept short name	Environment, Food and Rural Affairs
answering dept sort name	Environment, Food and Rural Affairs
hansard heading	Floods: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Environment, Food and Rural Affairs, if she will take steps to ensure that insurance companies do not make the provision of flood insurance conditional on actions being taken by third parties to provide protections where the resident has no power to compel them to act.
tabling member constituency	Kingston upon Hull West and Hessle
tabling member printed	Emma Hardy
uin	203575
answer	answer is ministerial correction date of answer 24/10/2023 answer text <p>Insurers consider a range of factors in setting premiums and/or excesses in household insurance policies that include cover against flooding. Individual insurers will take different approaches to assessing flood risk. The decision to insure a property is a commercial decision made by the insurer.</p> answering member constituency Taunton Deane answering member printed Rebecca Pow question first answered 24/10/2023 11:19:49 answering member 4522 label Biography information for Rebecca Pow
tabling member	4645 label Biography information for Emma Hardy

1665839

registered interest
date	18/10/2023
answering body	Department for Environment, Food and Rural Affairs
answering dept id	13
answering dept short name	Environment, Food and Rural Affairs
answering dept sort name	Environment, Food and Rural Affairs
hansard heading	Floods: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Environment, Food and Rural Affairs, what estimate she has made of the number of residents who are unable to access insurance through the Flood Re scheme as a result of living in (a) buildings that are subdivided into more than four units and (b) blocks of flats where the leaseholders jointly share the freehold but have formed a private management company.
tabling member constituency	Kingston upon Hull West and Hessle
tabling member printed	Emma Hardy
uin	203386
answer	answer is ministerial correction date of answer 24/10/2023 answer text <p>There is currently no evidence of a widespread systemic problem for residents in accessing insurance, where they are ineligible for Flood Re. Tenants and leaseholders are able to obtain contents insurance supported by Flood Re regardless of the size of the block.</p><p> </p><p>The British Insurance Brokers’ Association and the Association of British Insurers has established a Signposting Service, to help source insurance. The signposting service has assisted over 13,000 enquiries since its launch in September 2022. This is further supported by a Code of Practice for insurers which sets out good practice in dealing with consumers who are having difficulty accessing flood insurance, including communicating exclusions to customers.</p> answering member constituency Taunton Deane answering member printed Rebecca Pow question first answered 24/10/2023 09:41:23 answering member 4522 label Biography information for Rebecca Pow
tabling member	4645 label Biography information for Emma Hardy

1604886

registered interest
date	16/03/2023
answering body	Department for Environment, Food and Rural Affairs
answering dept id	13
answering dept short name	Environment, Food and Rural Affairs
answering dept sort name	Environment, Food and Rural Affairs
hansard heading	Floods: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Environment, Food and Rural Affairs, if she will make an assessment of the adequacy of the Flood Re scheme for ensuring that residents in areas of flooding risk have access to insurance.
tabling member constituency	Foyle
tabling member printed	Colum Eastwood
uin	167264
answer	answer is ministerial correction date of answer 23/03/2023 answer text <p>Prior to Flood Re, research found that 9% of policy holders with a prior flood claim could obtain flood insurance quotes from two or more insurers and 0% could get quotes from five or more. Following the Scheme’s launch, around 96% of households with prior flood claims can now receive quotes from five or more insurers, with most customers getting more than ten quotes. Flood Re is available via more than 85 insurance brands representing 94% of the home insurance market. More than 450,000 properties have benefitted since the scheme’s launch.</p><p> </p><p>The Flood Re scheme is reviewed every five years to ensure that it is efficient and effective. The first Quinquennial Review (QQR) was published by Flood Re in July 2019 and made recommendations to the Government. The next QQR is due in 2024.</p> answering member constituency Taunton Deane answering member printed Rebecca Pow question first answered 23/03/2023 11:13:56 answering member 4522 label Biography information for Rebecca Pow
tabling member	4846 label Biography information for Colum Eastwood

1439211

registered interest
date	09/03/2022
answering body	Department for Environment, Food and Rural Affairs
answering dept id	13
answering dept short name	Environment, Food and Rural Affairs
answering dept sort name	Environment, Food and Rural Affairs
hansard heading	Floods: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Environment, Food and Rural Affairs, pursuant to the Answer of 27 of January to Question 108554 on Floods: Insurance, with reference to his Department's commissioned insurance industry data, what proportion of the samples of policies for determining the number of policies impacted by flood exclusions were from (a) Inverness, Nairn, Badenoch and Strathspey constituency and (b) other rural communities.
tabling member constituency	Inverness, Nairn, Badenoch and Strathspey
tabling member printed	Drew Hendry
uin	137354
answer	answer is ministerial correction date of answer 14/03/2022 answer text <p>The Association of British Insurers and British Insurance Brokers’ Association commissioned data from their members. The data samples provided by industry are not broken down; therefore, we do not hold details on the proportion of exclusions by constituency or in rural communities.</p> answering member constituency Taunton Deane answering member printed Rebecca Pow question first answered 14/03/2022 15:40:00 answering member 4522 label Biography information for Rebecca Pow
tabling member	4467 label Biography information for Drew Hendry

1434731

registered interest
date	23/02/2022
answering body	Department for Environment, Food and Rural Affairs
answering dept id	13
answering dept short name	Environment, Food and Rural Affairs
answering dept sort name	Environment, Food and Rural Affairs
hansard heading	Floods: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Environment, Food and Rural Affairs, if he will make an assessment of the potential merits of a Government backed flood reinsurance scheme for businesses that provides specific insurance to businesses within certain categories.
tabling member constituency	York Central
tabling member printed	Rachael Maskell
uin	128339
answer	answer is ministerial correction date of answer 03/03/2022 answer text <p>Government conducts recurring research into the affordability and availably of flood insurance. There is no evidence of a systematic problem for businesses at high flood risk not accessing insurance. However, we recognise that access to affordable insurance may be an issue for some businesses and research in 2018 found that 2% of small businesses were not able to find suitable insurance cover for flood risk. <br></p><p>There are a number of business insurance solutions offered by the insurance market, such as insurers who offer increased flood excess with reduced premiums, and parametric insurance which allows property owners to set the level of premium in line with an agreed level of risk. The British Insurers Brokers’ Association (BIBA) also have members who can provide cover for those that are ineligible for Flood Re.</p><p> </p><p>We are working with the insurance industry and the wider commercial sector to help businesses become more resilient to flooding, through the joint Government and industry Property Flood Resilience (PFR) roundtable and through the development of a PFR roadmap by the end of 2022.</p> answering member constituency Taunton Deane answering member printed Rebecca Pow question first answered 03/03/2022 16:12:24 answering member 4522 label Biography information for Rebecca Pow
tabling member	4471 label Biography information for Rachael Maskell

1434275

registered interest
date	22/02/2022
answering body	Department for Environment, Food and Rural Affairs
answering dept id	13
answering dept short name	Environment, Food and Rural Affairs
answering dept sort name	Environment, Food and Rural Affairs
hansard heading	Floods: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Environment, Food and Rural Affairs, if she will make funding available to support businesses that have not been able to claim insurance following flood damage in winter 2021-22.
tabling member constituency	York Central
tabling member printed	Rachael Maskell
uin	127483
answer	answer is ministerial correction date of answer 02/03/2022 answer text <p>The Government recognises the impact that flooding incidents have on communities and sympathises with those affected. Whilst some communities have been badly affected, we have thankfully not seen the severe, widespread impacts that were forecast.</p><p> </p><p>The Government Flood Recovery Framework is typically only activated where severe weather with significant impacts has occurred across multiple local authorities. The Framework is run by the Department for Levelling Up, Housing and Communities and activation of the framework is an agreement made across Government.</p><p> </p><p>Businesses in high flood risk areas can shop around for the best insurance quote and could consider using an appropriate broker. There are already several innovative products being offered to businesses by the industry such as the British Insurers Brokers Association scheme to help small and medium-sized enterprises and provide flood cover for those that are ineligible for Flood Re. Other innovative solutions include insurers who offer increased flood excess with reduced premiums, and parametric insurance which allows property owners to set the level of premium in line with an agreed level of risk.</p><p>Defra is working with the insurance industry and the wider commercial sector to help businesses become more resilient to flooding, through the joint government and industry Property Flood Resilience (PFR) roundtable and through the development of a PFR roadmap by the end of 2022.</p><p> </p> answering member constituency Taunton Deane answering member printed Rebecca Pow grouped question UIN 128345 question first answered 02/03/2022 16:27:37 answering member 4522 label Biography information for Rebecca Pow
tabling member	4471 label Biography information for Rachael Maskell

1416412

registered interest
date	25/01/2022
answering body	Department for Environment, Food and Rural Affairs
answering dept id	13
answering dept short name	Environment, Food and Rural Affairs
answering dept sort name	Environment, Food and Rural Affairs
hansard heading	Floods: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Environment, Food and Rural Affairs, how many dwellings have secured home insurance through the Flood Re scheme in Belfast East constituency in each year since that scheme's commencement in 2016.
tabling member constituency	Belfast East
tabling member printed	Gavin Robinson
uin	111597
answer	answer is ministerial correction date of answer 28/01/2022 answer text <p>Flood Re’s statistics run from October 2017 and are reported twice a year, with the most recent confirmed data in April 2021. The data shows a steady increase in the number of properties ceded to the Flood Re scheme within Belfast East.</p><p> </p><table><tbody><tr><td><p><strong>Country</strong></p></td><td><p><strong>Constituency</strong></p></td><td><p><strong>Q4 2017</strong></p></td><td><p><strong>Q2 2018</strong></p></td><td><p><strong>Q4</strong> <strong>2018</strong></p></td><td><p><strong>Q2 2019</strong></p></td><td><p><strong>Q4 2019</strong></p></td><td><p><strong>Q2 2020</strong></p></td><td><p><strong>Q4 2020</strong></p></td><td><p><strong>Q2</strong> <strong>2021</strong></p></td></tr><tr><td><p>Northern Ireland</p></td><td><p>Belfast East</p></td><td><p>392</p></td><td><p>364</p></td><td><p>395</p></td><td><p>479</p></td><td><p>550</p></td><td><p>550</p></td><td><p>583</p></td><td><p>635</p></td></tr></tbody></table><p> </p> answering member constituency Taunton Deane answering member printed Rebecca Pow question first answered 28/01/2022 14:13:56 answering member 4522 label Biography information for Rebecca Pow
tabling member	4360 label Biography information for Gavin Robinson

1404972

registered interest
date	20/01/2022
answering body	Department for Environment, Food and Rural Affairs
answering dept id	13
answering dept short name	Environment, Food and Rural Affairs
answering dept sort name	Environment, Food and Rural Affairs
hansard heading	Floods: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Environment, Food and Rural Affairs, with reference to the Government response to the independent review of flood insurance in Doncaster, what assessment his Department has made alongside the Association of British Insurers of the scale of flooding exclusions; and what discussions officials in his Department have had with the Financial Conduct Authority on the regulatory framework for flood exclusions.
tabling member constituency	Inverness, Nairn, Badenoch and Strathspey
tabling member printed	Drew Hendry
uin	108554
answer	answer is ministerial correction date of answer 27/01/2022 answer text <p>Following the independent review of flood insurance in Doncaster, Defra commissioned industry to gather data from insurers on the number of policies sold with flood exclusions. The data samples from the Association of British Insurers and British Insurance Broker’s Association currently suggests less than 0.5% of policies sold have flood exclusions.</p><p> </p><p>Defra are also conducting further research into the affordability and availability of flood insurance which will also seek to understand the scale of flood exclusions. The study will conclude in summer 2022. Defra officials have met the Financial Conduct Authority to discuss flood exclusions. However, the evidence base for supporting the need for a regulatory change is inconclusive at this stage.</p><p> </p><p>We continue to work closely with the British Insurance Brokers’ Association, the Association of British Insurers and Flood Re to agree a new signposting service and Code of Practice. The Code of Practice will set out the role of insurers and brokers to ensure customers are appropriately informed of their available options, including eligibility for the Flood Re scheme. When launched, participating insurers and brokers will be asked to signpost customers to the new specialist directory of providers if they are unable to provide flood insurance cover. The interventions will be embedded throughout industry by summer 2022.</p> answering member constituency Taunton Deane answering member printed Rebecca Pow question first answered 27/01/2022 12:31:38 answering member 4522 label Biography information for Rebecca Pow
tabling member	4467 label Biography information for Drew Hendry

1346504

registered interest
date	13/07/2021
answering body	Department for Environment, Food and Rural Affairs
answering dept id	13
answering dept short name	Environment, Food and Rural Affairs
answering dept sort name	Environment, Food and Rural Affairs
hansard heading	Floods: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Environment, Food and Rural Affairs, if he will make an assessment of the potential merits of extending the eligibility of the Flood Re scheme to include properties built after 2009.
tabling member constituency	York Central
tabling member printed	Rachael Maskell
uin	32447
answer	answer is ministerial correction date of answer 21/07/2021 answer text <p>Current planning rules state that development in floodplains should be avoided where possible. Where development in a flood risk area is necessary, it should be made safe and appropriately flood resilient without increasing flood risk elsewhere.</p><p> </p><p>Properties constructed since 2009 should therefore already be able to access insurance at affordable prices. Flood Re is designed to help existing properties at flood risk, built before 2009, who could not otherwise access affordable flood insurance.</p> answering member constituency Taunton Deane answering member printed Rebecca Pow question first answered 21/07/2021 13:11:51 answering member 4522 label Biography information for Rebecca Pow
tabling member	4471 label Biography information for Rachael Maskell