Question to the HM Treasury:

To ask Mr Chancellor of the Exchequer, if he will discuss with representatives of the insurance industry the effect on premiums of changing weather conditions.

The Government does not intend to intervene in these commercial decisions by insurers as this could damage competition in the market. The respective capabilities of insurers to assess risk is a key element on which they compete. This competition is important and should lead to better products and lower prices for consumers.