Speeches by Gardiner.

“Thank you very much for that. The big question is always around insurance. We have received lots of questions about why there is Flood Re but nothing for landslip and coastal erosion. There have been grey areas where insurers have refused to pay out—they cover landslip but not coastal erosion. What do you make of the p…”

“Let me ask you to highlight the key lessons that you would wish to take out from CTAP and other trial relocation schemes that may have happened. What are the best options for supporting people through the loss of their property? Which ones would you want to see rolled out into a national programme? Can you briefly high…”

“That is great. I am just trying to make the Chair’s life easier for him when he is drafting this report.”

“Finally, the coastal erosion assistance grant to support safe demolition of at-risk properties is only available to those properties before 2009. Do you think that that cut-off date is still justified?”

“Thank you very much for the evidence you have given so far. The purpose of this is obviously that the Committee makes a report recommendations. I think we were all struck by the example that my colleague Jenny gave. Do you think the Committee should make a recommendation that there should be a legal protection for prop…”

“Thank you. I was confident you would, but you have to say it—I cannot say it—for us to incorporate it into the report.”

“Thank you very much. CTAP—the Coastal Transition Accelerator Programme—is limited to just four regions. How do other local authorities support people who are faced with the loss of their homes because of landslip and erosion? Is there national guidance?”

“I am sure we would all want to thank, through you all, the officers who do that for the commitment they make. However, let me come back to the question: is there a national strategy, and should it be a recommendation of this Committee that there is one?”

“Now those maps have been produced, do you believe that there should be a requirement at the conveyancing stage of a property to notify a potential purchaser, just as you would if it was on a floodplain and so on?”

“Is that another recommendation you would like to see this Committee make?”

“Thank you very much for that. The big question is always around insurance. We have received lots of questions about why there is Flood Re but nothing for landslip and coastal erosion. There have been grey areas where insurers have refused to pay out—they cover landslip but not coastal erosion. What do you make of the p…”

“The French have “catastrophe naturelle”, don’t they, which is a similar reinsurance scheme. But it is predicated on a very small premium being paid across the board by all householders. Again, would you like to see a recommendation from this Committee that there should be some form of wider insurance? You are all noddi…”

“I believe that, in the Isle of Wight, you have now a whole postcode after the Ventnor—”

“After the Ventnor incident, have they not now flagged the whole PO38 as a problem area?”

“It is that arbitrary fluctuation in people’s insurance that a wider scheme would manage and cope with?”

“Finally, the coastal erosion assistance grant to support safe demolition of at-risk properties is only available to those properties before 2009. Do you think that that cut-off date is still justified?”

“Or should there be almost a moving cut-off date because, as you have pointed out, things change in this area? Areas that were previously deemed safe are no longer, so should there be flexibility on that?”

“Now those maps have been produced, do you believe that there should be a requirement at the conveyancing stage of a property to notify a potential purchaser, just as you would if it was on a floodplain and so on?”

“Is that another recommendation you would like to see this Committee make?”

“That is great. I am just trying to make the Chair’s life easier for him when he is drafting this report.”