Flood Insurance: Reform of Flood Re

Paula Barker Excerpts

Wednesday 1st July 2026 Commons Chamber

[Emma Hardy]

I thank the hon. Gentleman, and I recognise his commitment to flood protection. He referenced our meeting, at which we discussed the £50 million that we are putting into Somerset because of its particular landscape and challenges. He is right to highlight the accounts that Flood Re has produced; without reform or change, we would be in a poor situation. Flood Re has been an amazing success, but to continue for the next 10 years, it needs to change. That is why we are introducing the changes that I have mentioned: targeting those who most need support by introducing a cap, making contents cover cheaper for lower council tax bands, and the work on the premium model. One of the other changes, which is probably not as eye-catching, is allowing Flood Re access to some of its trapped capital to make reinsurance costs cheaper. All of the reforms that Flood Re is introducing are intended to ensure that it is sustainable and keeps going.

Turning to continued support for flood protection, the hon. Gentleman will know that we have put the most money into flood protection of any Government ever, with £10.5 billion committed for the next 10 years. There are no current plans to include businesses because, as I said, Flood Re works by levying every insurance company; if we were to include businesses, we would be levying every business in the country to pay for it. For people in the top council tax bands, we are looking at flood performance certificates, so that if they can take action to improve the resilience of their home, that will be reflected in their premiums. We are doing some pilots, and I have been pushing insurance companies and others to get those pilots out the door as quickly as possible. We are not just looking at the top council tax bands; we are also looking at people in social housing to see how flood performance certificates could work.

As for when these changes are going to take place, contents insurance changes will take effect from 2027, but the cap will be from 2028. Up until that period, Flood Re will be carrying out extensive engagement with insurers and other people to make sure they are setting affordable limits. This is all about ensuring that Flood Re is there for the next 10 years.

[Paula Barker (Liverpool Wavertree) (Lab)]

I thank the Minister for her statement. The vital importance of protecting and insuring people against flooding is highlighted by the case of my constituents who live next to Thingwall allotments, where extensive surface water flooding has blighted their lives for four years. Residents of Abbeystead Road have been forced to continually use flood sacks, sandbags and pumps to protect their homes, and gardens have become unusable. I am particularly concerned about the welfare of elderly constituents in poor health and families with children. Despite my representations over the past four years, Liverpool city council and United Utilities have not resolved the issue; instead, the council is sending tankers to pump out the water, at what must be considerable cost. I have written to the Minister, and although I know she is extremely busy, will she meet me, residents, Liverpool city council and United Utilities to find a resolution once and for all?

[Emma Hardy]

My hon. Friend is right to highlight how difficult it is for people to continually have to take action, especially elderly people, as well as the mental health impact of thinking they are going to have to do something to try to protect their home every time it rains. I would be happy to help convene a meeting with all the relevant parties.

Water Companies

Paula Barker Excerpts

Monday 8th June 2026 Commons Chamber

[Emma Hardy]

This point came up repeatedly during the passage of the Water (Special Measures) Act 2025 and, fundamentally, my response remains the same, which is that the cost and time spent on installing monitors could be more effectively spent and used to prevent this from happening in the first place. That is why we want to focus on delivering the storm overflow reduction plan, which is looking to deliver £60 billion of investment across England by 2050 to reduce the number of overflows. Rather than trying to measure the problem, we are trying to tackle it.

[Paula Barker (Liverpool Wavertree) (Lab)]

Several barriers to taking water back into public ownership have been floated—pardon the pun—but the myth around the cost has been debunked and the impact on pensions has been dealt with by leading academics. What will it take for the Government to take water back into public ownership?

[Emma Hardy]

I know how much my hon. Friend cares about this issue, and she is right to highlight the concerns of some unions about changes. On nationalisation, as I have already mentioned, the White Paper contains a process by which different forms of ownership can be looked at, but—I do not wish to mislead my hon. Friend—that would involve looking at not-for-profits and mutuals rather than nationalisation.

Water Quality: Sewage Discharge

Paula Barker Excerpts

Tuesday 25th April 2023 Commons Chamber

[Paula Barker (Liverpool, Wavertree) (Lab)]

The River Mersey in the great north-west of England meanders through the heart of the region and connects the great cities of Manchester and Liverpool. For centuries, it was the boundary between the historic counties of Lancashire and Cheshire. I pay tribute to the likes of the Mersey Rivers Trust, which has done so much for so long in the fight to clean up the Mersey. In our part of the world, we take our obligations to look after the Mersey extremely seriously. Recently, our Metro Mayor Steve Rotheram announced plans to make the river sewage-free by 2030. Those plans were backed by Lord Heseltine, who helped first establish the Mersey basin campaign partnership nearly 40 years ago. They both recognised that when it comes to the Mersey, there is no room for complacency.

Growing up in Liverpool, my generation and the one before it saw the toll taken on the river and its estuary, yet the bold action set out by our Metro Mayor risks being undermined by those on the Government Benches if they do not urgently get a grip of the issue of sewage being dumped time and time again into our waterways. The excellent reporting by Danny Rigg at the Liverpool Echo has stated the scale of the problem. Sewage flowed into Merseyside rivers for more than 17,000 hours from 10 wastewater treatment sites in 2020, and raw sewage flowed into the river for 11,000 hours from just five Wirral locations upstream of New Brighton in 2021. It was remarked on by the reporter that that was more than the number of hours in the entire year.

This modern Conservative party might not value our natural habitats, our precious waterways and our coastal communities, but the British people do. After all, it was this Conservative party that went out of its way to block Labour amendments to the Environment Act 2021 that would have bought an end to this practice. Rather than stand by communities, the Conservatives stood idly by, letting shareholders walk away with billions in dividends and allowing bumper bonuses for water bosses. Those on the Government Benches were belligerent in striking down the Opposition amendments, yet here we are. The Secretary of State is late to the party, no doubt after her inbox and those of other Government Members filled up with emails from angry constituents wondering why they have consistently refused to stand up for them. It is too little, too late. I am proud that cleaning up our waterways, our rivers and our seas, taking on the water companies for their negligence and supporting our people are priorities for this Opposition. We will take action on these things in government.