Energy and Climate Change and Environment, Food and Rural Affairs

Does the hon. Lady also regret that nothing in the Bill addresses the crucial problem that people's insurance premiums can go sky high and their excess charges can go stratospherically high even though flood defence work has been done in their locality or even, in some cases, on their own property? Does not something need to be done of the order that was done in respect of serious medical conditions to legislate, level the playing field and return to the principle of pooled risk? I hope that hon. Members pardon the pun.