Risk prevention is better than cure. People need to take reasonable steps, such as buying a shredder. That's the most important thing.

Damage assessors can't get to some properties - they are still under water.

We're not expecting an immediate premium increase directly as a result of Katrina, but the wider issue of climate change is beginning to have a very serious impact on insurers.

And I think taking that into account, there's a good chance that many of the properties that have been affected would not, I am afraid, be covered by insurance.

There are a lot of poor areas, a lot of areas where insurance is not common.

I think for those spending two weeks in Greece every year, it is simply a case of clarifying levels of baggage cover and that the policy is in no way going to be negated by failing to disclose medical or other information.

A convicted arsonist is not likely to be seen as a very attractive candidate for buildings insurance. But just because someone has a criminal record does not mean they are uninsurable.