Oral Answers to Questions
Debate between Rory Stewart and James Heappey(9 years, 1 month ago)
Commons ChamberRead Full debate Read Hansard Text Read Debate Ministerial Extracts
James Heappey (Wells) (Con)
Thank you, Mr Speaker.
The dastardly EU has moved the goalposts on bathing water quality, and this morning we have found out that Burnham-on-Sea in my constituency has fallen short of the new standards. This will be of great concern to many in my constituency, particularly those involved in tourism. Will the Minister reassure us that all will be done to improve standards before next year’s readings?
Rory Stewart
This is an extremely important issue. I underscore the fact that these are advisory notices; they do not prohibit people from swimming in the water. In relation to Burnham-on-Sea, 250 missed connections have been identified by Wessex Water, which will invest £36 million. I have every hope that through its Streamclean initiative we should be able to bring Burnham-on-Sea back into compliance.
draft Flood Reinsurance (Scheme and Scheme Administrator designation) regulations 2015
DRAFT FLOOD REINSURANCE (SCHEME funding and administration) REGULATIONS 2015
Debate between Rory Stewart and James Heappey(9 years, 3 months ago)
General CommitteesRead Full debate Read Hansard Text Read Debate Ministerial Extracts
James Heappey (Wells) (Con)
I thank the Minister and his predecessor for all their work on this issue. The regulations are hotly anticipated in Somerset, where they will bring not only insurance for many households, but real peace of mind. For two winters since the last major flooding event in the county, people have known that their homes have been uninsurable. The regulations are welcome, and I place on the record the enthusiasm of Somerset for all the security that they will bring.
Rory Stewart
I am grateful for that statement. I hope that right hon. and hon. Members will be able to communicate to their constituents and those concerned with flooding not only that we have managed to get to this stage, but that we are looking forward to next spring when the scheme is formally launched.
I want to touch briefly on the various points and criticisms made by the hon. Member for Brent North. I find some of them a little bewildering, and I would like to tease them out a bit more. His arguments seem to focus on four areas: awareness, affordability, the transition plan and the model of insurance.
To reassure him on awareness, an obligation is imposed through the regulations on Flood Re to communicate with the insurance industry and on the industry to communicate with the policyholders that they have entered the Flood Re scheme and that by definition they are therefore in the approximately 2% most vulnerable homes. Through the Environment Agency and our investment in new technology, we are absolutely committed to increasing our contact with people in the most vulnerable homes.
We have also been meeting in detail with different parts of the industry that are interested in providing flood resilience measures to individual households. There should be a potential market, and we need to develop it. Just as house and contents insurance has delivered developments in burglar alarms and other protective measures, it should be possible for flood insurance schemes eventually to drive a movement towards people taking resilience measures to drop their premiums. That is where we need to get to. We need a thriving, vigorous industry with a reasonable basic standard that can be offered to a household, saying, “If you do, x, y and z, the insurance industry will recognise that and drop your premium.”