Could I ask whether time can be found for a statement on any discussions with UK Ministers on the number of properties being excluded from flood insurance in Wales, following the move to the Flood Re agreement with insurers? I ask this because following the recent flash flooding in Ogmore, I started to find that properties within 200m of a river were often being excluded from flood insurance. You can get house insurance, contents insurance but nothing to do with flood, even if the river is way away from you—200m—. If it’s 199m, or if it’s 50m below you and has never caused flooding you can still be excluded.

The reason I ask this was our excellent research unit here in the Assembly—I commissioned them to find out how many properties in my constituency were within 200m—triangulated this from three publicly available sources, and out of 33,880 homes in total in my constituency, the amazing number of 21,158 are within 200m of a river. This sounds like a remarkable cop-out for the future of this insurance industry, which advertises on the Flood Re site as, and I quote, ‘affordable premiums and excesses’ to all. Well, surely, perhaps as well as a statement we should be asking Paul Lewis of BBC’s ‘Money Box’ or MoneySavingExpert.com’s Martin Lewis to investigate whether the insurance industry is giving value for money to our constituents.