Lord Sheikh: My Lords, it must be appreciated that not every householder or owner of a business will be insured. The Minister referred to the point made by the ABI. Are we giving any consideration to providing financial help to householders and owners of businesses who are not insured? That result would be long-lasting.

Lord Davies of Oldham: My Lords, the noble Lord is right. Some people will not be insured, despite the extent to which that issue was emphasised after the floods in 2007, when a considerable number of people found themselves in distress because they were uninsured. Of course we will look at the question of support for those in greatest need, but I know that the noble Lord, with his great knowledge of the insurance industry, will appreciate that we look to that industry to be prompt in its response to those whom it can help.