Question to the Department for Environment, Food and Rural Affairs:

To ask the Secretary of State for Environment, Food and Rural Affairs, if she will take steps to ensure that insurance companies do not make the provision of flood insurance conditional on actions being taken by third parties to provide protections where the resident has no power to compel them to act.

Insurers consider a range of factors in setting premiums and/or excesses in household insurance policies that include cover against flooding. Individual insurers will take different approaches to assessing flood risk. The decision to insure a property is a commercial decision made by the insurer.