I thank the Member for drawing that to our attention this afternoon in the business statement. The Cabinet Secretary for Environment and Rural Affairs is away. You’ve, of course, raised this with her and she’s aware of the case and has also written to both the Association of British Insurers and the British Insurance Brokers’ Association. It is a private dispute, obviously, at this stage between the homeowner and the homeowner’s insurer, but I think the ombudsman, I understand, has been notified.

You draw attention to this and I think we have to be very clear in terms of flood insurance. It should be available to all homeowners, regardless of how close they live to a river, and the Flood Re subsidy system does enable high-risk homes—and many of us represent constituents and communities in that category—to obtain insurance at affordable premiums in such instances, and it is actually operating with over 90 per cent of the market offering it for homes at high flood risk. But it is critically important that we get the message over to the insurance industry and to those who are affected that living within 200m of a river shouldn’t preclude you from obtaining flood insurance. We need to take note of the incident and the case that you’ve raised today.