An MP has called for a review of home insurance after finding some constituents in flood-risk areas had seen premiums rise five-fold.
Diana Johnson says some people are getting quotes of more than £1,000 a year, with excesses as high as £6,000. She questioned whether the market for insurance was working in all areas.
The complaint has reawakened the debate over the insurance industry and government's relationship. At the moment insurers have agreed to guarantee cover to areas with all but the highest level of flood risk, in return for the government continuing to improve flood defences.
However, government funding for that works looks set to fall by around 10 percent over the next four years as part of overall spending cuts. That's led to concern that the current agreement with insurers, due to expire in 2013, won't be renewed, with the insurance industry saying the government has reneged on its commitment.
In the meantime, there are allegations that some insurers are playing only by the letter rather than the spirit of the rules, with high excesses designed to deter insurance renewals from those at risk. One campaign group says it's heard of excesses being raised to as much as £20,000.