Speeches by Baldwin.

“The Home Secretary is an intelligent woman, and she must realise that this UK-France migration co-operation is a drop in the ocean, given that since it was announced, another 1,375 people have made that dangerous and illegal crossing. She might not like Rwanda, but can she confirm that one of the other things she is wo…”

“This is businesses and public buildings.”

“You both raised the point about homes, but Flood Re does not cover business access to insurance. I have a community, Tenbury Wells, where the flood defences do not yet have the full funding and they have not been built. Businesses and even the town council building cannot get insurance at all. What conversations are yo…”

“That £7.9 billion over a decade sounds like it is less than £1 billion a year. I just wondered whether that troubles you as members of Flood Re.”

“Oh, you are as well. Fantastic. One of the reasons that Flood Re was set up was to help homeowners in flood-prone areas such as my constituency of West Worcestershire to get insurance for their properties. Flood Re wants to ensure that the Government do their part by spending enough money, in terms of capital, on flood…”

“All of you, except for Scottish Widows, are members of Flood Re. Is that correct?”

“Have any of your regulators ever requested that, should you come in and have a private meeting with one of our members, you need to report that back to them?”

“Is that the answer you all want to give, that you will follow up in writing?”

“I wondered, with the proposals that the FCA currently has out in terms of non-financial misconduct rules, whether your firms are supportive of what it is proposing? Everyone has gone silent on that.”

“You would want to see Flood Re continue beyond 2039.”

“Anyone else?”

“We have spoken about Flood Re. There is also Pool Re, which is a collective for terrorism insurance. Is there a need in the UK for any other kind of “re”, such as cyber-security re? Is there anything else that you think is a gap in the market where our constituents cannot get the right kind of cover?”

“It would be great if you could let me know how many of your flood claims you are turning down and what the reasons are. That would be really helpful.”

“You do not recognise that criticism.”

“Thank you very much for that. Could you all look into whether you could write to me about Tenbury Wells businesses, and whether your businesses were prepared to insure them? We have had some input from Which?, the consumer organisation, about the wording in some of your flood policies, and arguing about the use of the …”

“You would not be prepared to insure them without the investment in the flood defences.”

“What should I say to these businesses?”

“It is not something you are advocating at the moment, then.”

“I thank the Minister for advance sight of his statement. We welcome the release of volume 1 of the Post Office Horizon inquiry final report and I put on record my thanks to Sir Wyn Williams and the inquiry team for all the work that they have done, alongside all those who gave evidence. This inquiry lays bare one of th…”

“It is great news for the babies of Britain that a cross-party consensus has broken out about the importance of the very first days of life. I welcome that the family hubs and the Start for Life programme have morphed into the Best Start family hub programme, with cross-party support. Will the Secretary of State outline…”