Oral Answers to Questions

Baroness Hayman of Ullock Excerpts

Wednesday 16th December 2015 Commons Chamber

[Mr Speaker]

Last but not least, I call Sue Hayman.

[Sue Hayman (Workington) (Lab)]

I know that the Prime Minister is aware of the flooding that has taken place in my constituency and the damage to the town of Cockermouth. I had a call from a constituent this morning who said that insurance companies are refusing to help my constituents until they have paid the excess in full. Does he agree that that is absolutely outrageous? Some of the excesses are up to £10,000. What can be done to ensure that insurance companies fulfil their obligations to my constituents?

[The Prime Minister]

The hon. Lady is absolutely right to raise that matter. First, the Minister for Government Policy, my right hon. Friend the Member for West Dorset (Mr Letwin), has had meetings with the insurance companies to make sure that that sort of practice does not happen. Secondly, we have announced that we are putting money into the community funds that will form hardship funds that will potentially help people who do not have insurance. The third vital thing is the establishment of Flood Re, which will mean that, in future, all homes are able to get that insurance. That was a decision made by the last Government and we are putting it in place.