Flood Insurance: Reform of Flood Re

Steff Aquarone Excerpts

Wednesday 1st July 2026 Commons Chamber

[Emma Hardy]

My hon. Friend raises an important point. We are continuing to work with the Government, the regulator and industry to review the scheme eligibility criteria, including considering options to better support leaseholders.

[Steff Aquarone (North Norfolk) (LD)]

Flood Re does need change. However, the Minister has not announced a key change that would make a difference for thousands of households in my North Norfolk constituency: establishing a “Coast Re” scheme for those homes at threat of erosion. They find themselves at huge risk and have no financial backing if the worst happens and they lose their home. My call is supported by the cross-party report of the Environment, Food and Rural Affairs Committee. There is not much coastal erosion in Manchester, but can the Minister please make a pitch for “Coast Re” with her new boss in the coming weeks?

[Emma Hardy]

I thank the hon. Gentleman and the EFRA Committee for their work. He will have heard our commitment to the £30 million coastal fund, which is looking at what we should do about managing coastal erosion and the risks of coastal flooding.

Farming Road Map and Profitability Review

Steff Aquarone Excerpts

Wednesday 24th June 2026 Commons Chamber

[Steff Aquarone (North Norfolk) (LD)]

On-farm reservoirs can really help to reduce flooding and the need for water extraction, yet the Minister for Housing and Planning was rather dismissive of this during the passage of the Planning and Infrastructure Bill. Will the Secretary of State commit to taking steps to review permitted development rights, and can she give us some timescales?

[Emma Reynolds]

We consulted on that issue—obviously, this falls under the MHCLG—in December. The Ministry is considering the responses, but I am working with the Secretary of State for Housing, Communities and Local Government to ensure that we make it easier for farmers to establish on-farm reservoirs in order to give them more resilience.

Water Scarcity

Steff Aquarone Excerpts

Tuesday 9th December 2025 Westminster Hall

[Steff Aquarone (North Norfolk) (LD)]

It is a pleasure to serve under your chairship, Mr Stuart. I congratulate my hon. Friend the Member for Horsham (John Milne) on securing a debate on this vital issue. The fact that I previously secured a debate in this place on flooding in Norfolk and our problems with too much water, and now I am complaining about the places with not enough, just highlights the range of challenges that North Norfolk faces. In a rural community such as mine, there is an ongoing battle with a range of environmental factors just to keep livelihoods and businesses functioning as they are.

Water scarcity is a big issue for the farming community, which is large in North Norfolk. Farmers I speak to tell me of the significant challenges they face with water abstraction, and how it is impacting our food production and, importantly, our food security. As with greater flooding, the root cause of greater water scarcity is the climate emergency.

Climate change is making our rivers and watercourses more unpredictable, leading to changes in the patterns that have served farmers well for decades. As a result, many farmers want to build small on-farm reservoirs to give them greater surety of access to water, which would also ensure that our rivers do not become over-abstracted. However, for many farmers, that is incredibly difficult to do. Permitted development rights in this regard are outdated and unhelpful; they need to be urgently reviewed to assess how we can make it easier and simpler for farmers to secure access to water.

This issue was raised as part of the discussions on the Planning and Infrastructure Bill, and an amendment was sent back to us from the other place to ask us to consider it again. The Minister in the Lords told the other place that

“We recognise the need to look at those permitted development regulations, and we will return to them.” —[Official Report, House of Lords, 20 October 2025; Vol. 849, c. 520.]

In the debate on those Lords amendments, I raised the concerns of my farmers with the Minister for Housing and Planning, and asked him whether we could expect a timeline for the Government to return to and review the regulations. Hansard reported that he “indicated dissent”, which is a rather diplomatic way of describing the fact that he shook his head vigorously.

I hope that the Minister responding to today’s debate will be slightly less dissenting than her colleague. On matters of water, I know that she is well respected in the House and in my community, too, so we look to her for some clarity and guidance.

Water attenuation also helps us to manage the other end of the spectrum, flooding. It is farcical that some of the same farmers who struggle with abstraction are then also hit by floods in other parts of the year, but cannot do anything about them. Attenuation on farmland also prevents floodwater from running off into the residential communities nearby, reducing flood damage to homes and businesses.

We could tackle two great issues here, but the Government will have to act. Farmers already face many challenges in keeping their businesses afloat and keeping our communities fed, but this is a burden that can be relieved, and it is in the power of the Government to do so. For once, I am not even asking for money—I am just asking for the Government to look again at the current regulations to see what they can do to help our farmers out.

However, it is not only farming businesses who find water scarcity limiting their development. Over the county border in Suffolk, we have seen some areas slapped with a ban on new non-domestic connections due to water scarcity, and we are incredibly fearful of the same thing happening in Norfolk.

I have spoken at length about the steps that we need to take to unleash the rural economic powerhouse; such limitations are so damaging to expanding businesses in rural communities, and yet another challenge that drives a wedge between rural businesses and urban businesses. That challenge would not present itself to someone expanding their business in London or Manchester, but in rural areas we are subjected to draconian restrictions on free enterprise because of years of water sector mismanagement. The situation cannot be allowed to continue—or, by the time restrictions are eased, there simply will not be any more rural businesses trying to expand.

As a rural and a coastal MP, much of my community is built around water: our precious coastline, the chalk streams running through our villages and the beautiful broads that attract so many visitors to Norfolk. Climate change now threatens to turn that water from an asset into a struggle. I hope the Government recognise the severity of the issue we face and take the necessary steps to protect my community in the years to come.

Oral Answers to Questions

Steff Aquarone Excerpts

Thursday 13th November 2025 Commons Chamber

[The Solicitor General]

On 9 September, the Serious Fraud Office secured £1.1 million from the sale of a Lake district house in an investigation involving its first use of an unexplained wealth order, connected to the assets of the wife of convicted fraudster Timothy Schools. This innovative use of the legislation showcases the SFO’s resolve to pursue criminal assets wherever they are hidden and explore new methods to recover funds for victims and the public purse.

[Steff Aquarone (North Norfolk) (LD)]

One way the Serious Fraud Office can be made more effective is through access to more registers of beneficial overseas interests. We know that fraudsters, tax dodgers and crooks are exploiting the financial secrecy in those territories to hide their ill-gotten gains. Does the Solicitor General agree that this would empower the Serious Fraud Office to secure more prosecutions for economic crime, get dodged taxes back to the Treasury and let us invest more in public services in North Norfolk?

[The Solicitor General]

I am grateful for that question. The Serious Fraud Office is constantly looking at ways to clamp down on fraud and economic crime. For example, the SFO is committed to working more closely with French and Swiss partners through the international anti-corruption prosecutorial taskforce, to ensure that we are robustly tackling cross-border economic crime, and to protect our future prosperity as part of our plan for change.

Flooding: Planning and Developer Responsibilities

Steff Aquarone Excerpts

Tuesday 13th May 2025 Westminster Hall

[Steff Aquarone (North Norfolk) (LD)]

I congratulate the hon. Member for Mid Norfolk (George Freeman) on securing the debate. As in much of the country, we in North Norfolk have been told by the Government that we need to identify significantly more sites for housing. Let me be absolutely clear: we do need more homes, including homes that local people can actually afford, so that they are not stuck waiting endlessly on housing lists or left in temporary accommodation, but rushing to build homes without proper provision for flood alleviation or sustainable drainage would be a bad idea and incredibly costly. Let us imagine a young couple who, after years of saving and planning, finally moving into their first home, but it floods because corners were cut and developers were not held to account. That is not just a policy failure; it is a failure of basic fairness.

That failure does not just affect new homeowners. If we add more pressure to our creaking infrastructure without investment, we risk backed-up drains and flooding for the people who have lived in those communities for years. The previous Government promised to implement schedule 3 of the Flood and Water Management Act 2010, which would require developers to include sustainable drainage systems, but they never delivered.

One place that would benefit hugely from such a system is Ludham where, following the Government’s new mandated targets, a development proposal for 12 houses has expanded to 60 houses. That has caused significant concern for locals due to the history of flooding in the area. If it were to go ahead, it could be feasible only with real action on the surface water and drainage issues that the area faces.

Although North Norfolk district council does an excellent job of pushing developers as hard as it can, it needs the Government to provide it with the legislative teeth to achieve more. I hope that the Minister is in conversation with her counterparts at the Ministry of Housing, Communities and Local Government about how we make sure that there is joined-up thinking about flooding in future planning legislation.

[Mike Martin (Tunbridge Wells) (LD)]

Hawkhurst parish council and Southern Water recently came to see me to complain about a number of developers in my constituency who have mixed surface run-off with foul water, which is illegal. Does my hon. Friend agree that, although we of course need big housing developments, if developers are proven to have illegally mixed surface run-off and foul water when building them, they should have to make good what they did?

[Steff Aquarone]

Unquestionably, and a slightly more sympathetic approach should be taken to historical instances in which householders’ surface water drains have been connected to foul water systems, which they may not even realise. For developments that have been built since that law, it is absolutely unquestionable that developers should do that.

Finally, we must consider seriously the impact of man-made climate change on flooding. When we place responsibilities on developers, we must make sure that new developments do not deal just with the floods of the past or those of today, but with the worst floods that are yet to come. Henry Cator is chair of the Norfolk Strategic Flooding Alliance, which my constituency neighbour, the hon. Member for Mid Norfolk, mentioned. His voice is given deserved reverence in Norfolk when speaking about these issues, and he has said that climate change will create a new level of extremes that we must be ready for. Simply planning for the current levels will be wasted in years to come.

I look forward to working with hon. Members on both sides of the House on this issue. It needs proper cross-functional work from the Government if we are to ensure that the much-needed homes of tomorrow are built sustainably and that the circumstances of the communities that those houses will serve and join are protected and improved.

[Several hon. Members rose—]

Oral Answers to Questions

Steff Aquarone Excerpts

Thursday 20th March 2025 Commons Chamber

[The Minister for Food Security and Rural Affairs (Daniel Zeichner)]

I am sure that my hon. Friend’s cats, who I am told are called Clem Cattlee and Mo Meowlam, will be delighted to hear that the Government are looking very closely at the Animal Welfare Committee’s opinion on the welfare implications of current and emergent feline breeding practices. I can assure them that we are carefully considering the committee’s recommendations.

[Steff Aquarone (North Norfolk) (LD)]

T4.   Farmers in North Norfolk are an incredible bunch who have shown resilience through tough times and are still innovating and diversifying, but there are more tough times ahead. What one thing does the Secretary of State think my farmers should be doing to secure their future in the face of so many challenges?

[Daniel Zeichner]

The hon. Gentleman is absolutely right. Looking ahead, the future can be very exciting for farming, but as the Secretary of State said, we have to establish farming as a profitable sector. We will work with the hon. Gentleman’s farmers to ensure that vision is realised.

Sustainable Farming Incentive

Steff Aquarone Excerpts

Wednesday 12th March 2025 Commons Chamber

[Daniel Zeichner]

It should have been clear to people for a long, long time that this transition was coming. It was the move away from a system based on entitlements for every farmer through the basic payment scheme to a system that relied on people applying to what was essentially a fixed budget. I agree with the hon. Lady and many other Members that the way the system was set up did not allow for proper prioritisation or fairness in allocation. That is what we would like to change in future, but it is the system that we inherited, and I am afraid that that is where we are at the moment. The House should remember that the majority are already in schemes, and to those who have not yet come forward, I gently say for the future that the advice in these kinds of schemes is that it is better to apply early rather than to wait.

[Steff Aquarone (North Norfolk) (LD)]

The sudden completion of the SFI scheme will be a worry for many farmers and local people. I am also very concerned by reports that the NFU was given only 30 minutes’ notice on such a huge change. To give my local farmers the confidence that they need, can the Minister assure them that DEFRA will learn lessons from the poor communication and lack of clarity that have plagued this and past initiatives?

[Daniel Zeichner]

Let me repeat the point: this is not about communication. If we suddenly say that a scheme with a fixed amount of money in it will close in two or three weeks, we would get a surge in applications and have to close it the same day. That is a flaw in the way the scheme was originally designed, and we want to do better in future.

Draft Flood Reinsurance (Amendment) Regulations 2025

Steff Aquarone Excerpts

Wednesday 26th February 2025 General Committees

[Steff Aquarone (North Norfolk) (LD)]

It is a pleasure to serve under your chairship, Ms Vaz. I will make some brief remarks, which I hope the Minister can respond to. My constituency of North Norfolk suffers heavily from flooding. Many of my constituents have benefited from the Flood Re scheme, so I wholeheartedly welcome this measure, which will increase the funds available to it. I hope that the Minister, in her closing remarks, will update us on her confidence that risk-reflective pricing will be delivered by the time Flood Re exits the market and her plans to ensure that that is the case over subsequent years.

The key thing that drove me to speak in the debate is an omission from the regulations that relates to those affected by coastal erosion. I will be very brief. The Flood Re scheme is providing many tangible benefits to those affected by flooding in North Norfolk, but the residents of villages such as Happisburgh, Trimingham and Overstrand have no similar protections from the threat of coastal erosion. I hope the Minister might consider bringing forward provisions to set up a coastal reinsurance scheme, to ensure that those affected by coastal erosion have insurance protection from the impact of erosion on their property. It is a problem affecting only a few thousand households, so it is far from a huge undertaking for the Government and industry, but for all those it impacts it causes daily worry and fear for the future.

If the Minister cannot make such a commitment to the Committee today, which I would understand, I would be delighted if she would be willing to meet me and residents in my area who are facing the challenges of coastal erosion, to discuss what we can do to ensure they are well protected. I would be delighted to welcome her to one of those villages to see the impact of erosion at first hand.

I am grateful to you, Ms Vaz, for allowing me to make these comments, and I look forward to hearing a positive and reassuring response for the Minister.

Financial Inclusion: Rural Areas

Steff Aquarone Excerpts

Wednesday 11th December 2024 Westminster Hall

[Anna Sabine]

I am sorry to hear about what is happening in Ilminster; it sounds very frustrating. I will talk a little more about banking hubs and why they are a good thing that we need more of.

Prosper Frome, an organisation in my constituency that focuses on improving financial accessibility, had been advocating for a banking hub for over a year before it was announced by Link and Cash Access UK in September. That was a great relief to residents, who were about to see their final bank close, but Jean and Sam at Prosper Frome believe that the scope for banking hubs is too narrow, and have been lobbying hard to get a banking hub included as part of a much wider community project, enabling the hub to be multi-purpose. Making banking hubs more diverse widens their appeal and can make banking and financial inclusion the anchor of the kinds of community third spaces that many towns currently lack.

[Steff Aquarone (North Norfolk) (LD)]

I congratulate my hon. Friend on securing this important debate. She is right to say that banking hubs are about more than just access to cash. In the market towns of North Norfolk, our small businesses need access to banking services, which full banking hubs can provide. Does my hon. Friend understand why residents of North Walsham are so frustrated that the outcome of their recent cash review was simply to give them a cash and deposit machine located in the local fried chicken shop?

[Anna Sabine]

That sounds very frustrating; I am sorry to hear it. I will talk about the importance of face-to-face contact in banking.

Shutting branches and opening banking hubs is currently financially efficient for banks, but there is a real risk that those banking hubs could close after a few years once the banks stop saving money and see the hubs as a drain on their profits instead of a benefit. We need reassurance about the long-term provision of banking hubs and a requirement on banks to keep funding them on an ongoing basis.

Waste and Recycling

Steff Aquarone Excerpts

Monday 9th December 2024 Commons Chamber

[Mary Creagh]

I share the hon. Gentleman’s impatience. I am old enough to remember, as Chair of the Environmental Audit Committee in 2017, hearing several predecessors of the right hon. Member for North East Cambridgeshire promising that we would have a DRS scheme. The hon. Member for Dewsbury and Batley (Iqbal Mohamed) is also right to say that there is no point in recycling if there is no end market. I welcomed the plastic packaging tax that was introduced under the prime ministership of Theresa May, which mandates a 30% recycled content. The question, where fossil fuels are very cheap, is how we drive business’s behaviour change, and that is under active consideration to ensure that there is an end market for the recyclates that are placed on the market.

On the hon. Gentleman’s question about the timescale, we laid the regulations for England and Northern Ireland before Parliament on 25 November and we plan for the regulations to come into force in late January, parliamentary time permitting. The Scottish Government will then make the necessary amendments to legislation in Scotland. After that, the three Governments will appoint the Deposit Management Organisation in April 2025, for which applications opened on Monday 2 December, so this is all hot off the press, and this is a timely debate. The aim is for the DRS to come into force on 1 October 2027.

However, there is much more to do. On Friday, I was delighted to visit Suez’s Malpass Farm facility in Rugby. Working in partnership with Cemex, Suez has provided 1 million tonnes of climafuel from non-recyclable waste, diverting it from landfill and reducing coal consumption in the neighbouring Cemex plant by 75,000 tonnes, thus enabling big industrial decarbonisation. Earlier today, I made a quick trip up to Newark to visit the Curry’s site, which is home to one of its unique repair centres. I saw how Curry’s, a great and proud British company, is using its resources and its market position to repair and refurbish broken phones, laptops and tablets, and I recommend its refurbishment website to anyone looking for a last-minute gift from Santa.

Such industrial partnerships, working together to maximise the value of resources, demonstrate the role that the resources and waste sector can play in supporting net zero and supporting economic growth. A high-performing resources and waste sector is key to driving a circular economy. However, waste crime threatens this by taking resources away from that circular economy and from the good businesses that want to do the right thing and make those green investments. I know that my hon. Friend the Member for Newcastle-under-Lyme (Adam Jogee) is interested in this, and I am glad to see him in his traditional place. Waste crime costs the country £1 billion a year, and we know that 18% of waste may be handled illegally at some point in the waste supply chain. That is around 34 million tonnes of waste every year. We are committed to tackling this scourge.

[Steff Aquarone (North Norfolk) (LD)]

The Minister has spoken about many different types of rubbish, but not where it often goes, which is to household waste recycling centres. Not content with the Tory tip tax, cash-strapped Norfolk county council has gone further in trying to encourage fly-tipping by creating a mad booking system for residents who want to use household waste recycling centres. Will the Minister extend the same guidance to household waste recycling centres that she has talked about extending to kerbside recycling schemes?

[Mary Creagh]

I am very happy to look at that, but I gently tell the hon. Gentleman that after more than a decade of austerity, providing more services with less money is a challenge, and many local councils have not been able to square that circle. Rather than indulging in thinking about what could be done in a perfect world, we have to look at the world we are in and ask, “What can we do?” It is clear that this three-legged stool of reforms will put some much-needed fresh cash into the system, so that the various municipal collections can be ready for the go-live dates, and there may be opportunities in that.

We have had several debates about fly-tipping, and there were more than 1 million fly-tipping incidents in 2022-23, which is 10% more than we had three years ago. As the hon. Member for Stockton West said, Stockton-on-Tees alone has had 1,700 fly-tipping incidents. We cannot allow these incidents to continue, and I pay tribute to the many local litter groups he has met. I will have the enjoyment of meeting the Aylesbury Wombles in Parliament this Wednesday, and there are little groups everywhere.

We want fly-tippers and vandals to clean up the mess they have created, and we must take back our country from these criminals who blight our communities and undermine legitimate businesses. I look forward to providing details on that.