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Hello and welcome to our look ahead to what the papers | :00:00. | :00:16. | |
With me are Martin Bentham, Home Affairs Editor for the | :00:17. | :00:20. | |
London Evening Standard and the broadcaster Petrie Hoskin. | :00:21. | :00:26. | |
The flooding in northern England is again on | :00:27. | :00:28. | |
a number of tomorrow's front pages with the Guardian saying the cost | :00:29. | :00:31. | |
The Telegraph has a photograph of a RAF Chinook flying past | :00:32. | :00:38. | |
York Minister as it helps with the efforts to | :00:39. | :00:41. | |
The paper's main story is about a planned change to stamp duty | :00:42. | :00:47. | |
on second homes which critics have dubbed a tax on marriage. | :00:48. | :00:51. | |
The Financial Times reports that 10,000 homes are built | :00:52. | :00:53. | |
on floodplains every year and says David Cameron has been | :00:54. | :00:56. | |
accused of a north-south divide on flood prevention. | :00:57. | :01:01. | |
The Mirror also says that anger is mounting in affected | :01:02. | :01:03. | |
The Daily Mail has a striking image of a woman cleaning the window | :01:04. | :01:10. | |
in a wine bar in York as flood waters wash against the other side. | :01:11. | :01:16. | |
Its main story is about the fatal shooting | :01:17. | :01:18. | |
And that shooting by a fellow resident at an Essex care home | :01:19. | :01:24. | |
The Independent focuses on politics saying that Jeremy Corbyn | :01:25. | :01:30. | |
has challenged Davie Cameron to take part in an annual TV debate. | :01:31. | :01:34. | |
And the Times returns to the flooding, reporting that uninsured | :01:35. | :01:37. | |
Uninsured flood that Adams, ?1 billion bill? This is talking about | :01:38. | :02:00. | |
the financial cost, particularly the five DN pound cost, economic damage | :02:01. | :02:06. | |
predicted by financial experts involved in looking at this. -- ?5 | :02:07. | :02:12. | |
billion. Some of that cost will be borne by people who have been unable | :02:13. | :02:18. | |
or failed to insure their homes. In the past, it has been talked about | :02:19. | :02:22. | |
some people not being able to get insurance because of where they | :02:23. | :02:27. | |
live, and there should be a government backed scheme that was | :02:28. | :02:37. | |
supposed to allow people to insure, that has taken too long, and a | :02:38. | :02:42. | |
Federation of Small Businesses has said that 50,000 small businesses | :02:43. | :02:46. | |
have been refused cover, and areas have become uninhabitable because of | :02:47. | :02:51. | |
that problem. Nvidia wants to buy or run a business in a place where you | :02:52. | :02:56. | |
can't get flood insurance, and they will be potentially regularly hit by | :02:57. | :03:01. | |
floods. It is a particular take on the chaos that we have seen, the | :03:02. | :03:06. | |
terrible scenes we have seen affecting people, and it clearly is | :03:07. | :03:10. | |
a big issue. If we have people in vulnerable areas and they can't get | :03:11. | :03:15. | |
cover, it seems wrong. There may be people who just don't know they are | :03:16. | :03:21. | |
not covered. Exactly, there will be several people who have just | :03:22. | :03:24. | |
discovered that because of the insurance policies they have. I | :03:25. | :03:34. | |
don't know where people whose cars have been submerged... Isn't that an | :03:35. | :03:40. | |
act of God? Isn't there some kind of loopholes, and can you even insure | :03:41. | :03:47. | |
against that? The terrible ripple effect just goes on and on. But the | :03:48. | :03:51. | |
question will be, and the insurance company will be asking this because | :03:52. | :03:55. | |
they might be asked to do something they don't want to do, which is | :03:56. | :03:59. | |
paying out to everyone, should the government pick up the bill where | :04:00. | :04:03. | |
people are not adequately insured? If that is the case, are you opening | :04:04. | :04:07. | |
a problem around the rest of the country for the rest of us who may | :04:08. | :04:11. | |
not be adequately insured, and they think, its OK, the government will | :04:12. | :04:15. | |
pick up the bill. We know the human misery of this, that if the | :04:16. | :04:20. | |
government does pay for people who haven't been adequately insured, | :04:21. | :04:27. | |
that could be a problem. That would be a lot of money, and at the moment | :04:28. | :04:32. | |
it was the north-east and north-west, the Somerset Levels was | :04:33. | :04:35. | |
washed out, and further down towards Dorset and Cornwall. We are talking | :04:36. | :04:41. | |
billions of pounds potentially. There is no suggestion they will. | :04:42. | :04:48. | |
No, but if they do, and they will be called to. The question should also | :04:49. | :04:58. | |
be that there has been talks of getting a proper industry scheme | :04:59. | :05:02. | |
that allows people to be insured, but has that happened? The misery of | :05:03. | :05:10. | |
what people have faced is direct and immediate at the moment, but it is | :05:11. | :05:14. | |
compounded by the fact that you can't then recover your business or | :05:15. | :05:19. | |
home or replace the items. If this scheme was up and running, the | :05:20. | :05:24. | |
government would be underwriting it. There has to be a way that the | :05:25. | :05:27. | |
government is not becoming an insurance policy, and that the flood | :05:28. | :05:32. | |
defences are there. We don't build on floodplains, all of these other | :05:33. | :05:37. | |
things, so the government does not become an insurance company. People | :05:38. | :05:43. | |
are saying the government could mitigate the effects of these, and | :05:44. | :05:46. | |
one of them is stopping developers building on floodplains. Figures | :05:47. | :05:51. | |
show 10,000 homes are still being built on floodplains every year. The | :05:52. | :05:58. | |
latest figures they have a 2013-14, but one in every 14 homes is still | :05:59. | :06:02. | |
built on a floodplain. This is what I'm talking about, it is too late at | :06:03. | :06:07. | |
the end of the day to get a big bill and then just pay it. Why don't we | :06:08. | :06:17. | |
look at where you build. If you build on a floodplain you have to | :06:18. | :06:21. | |
pay for flood defences, and when they burst you have to have paid the | :06:22. | :06:28. | |
people's homes. This is a long-standing issue, concerned that | :06:29. | :06:30. | |
homes are being built in high-risk areas. It continues to happen. It | :06:31. | :06:42. | |
has been talked about at times that there should be better flood | :06:43. | :06:46. | |
proofing of homes, so they have waterproof plaster and electrics | :06:47. | :06:50. | |
further up the walls, et cetera. It will be interesting to know how many | :06:51. | :06:57. | |
homes in these areas have any of those. I would bet it would be very | :06:58. | :07:07. | |
few. One suspect it is cheap to build on a floodplain. The land is | :07:08. | :07:13. | |
probably quite cheap to buy, but not for the homeowner who then has to | :07:14. | :07:16. | |
pay higher insurance or is not insured and can't get insurance. And | :07:17. | :07:22. | |
also, leaving aside the underwriting of insurance, because of course they | :07:23. | :07:27. | |
are having to deploy the army and all of these emergency services. It | :07:28. | :07:32. | |
is understandable with a direct me emergency like this, but all of that | :07:33. | :07:43. | |
costs money. A big up to the armed forces who are doing this, let's | :07:44. | :07:46. | |
hope there are no more cuts to their numbers, because they are working | :07:47. | :07:51. | |
very hard. The front page of the Daily Mirror, anger mounting over | :07:52. | :08:05. | |
cuts to defences as cost of misery rises. This is really picking up on | :08:06. | :08:11. | |
the North/ South divide feeling that we have coming through, with a Leeds | :08:12. | :08:22. | |
City Council complaining that only a small scheme was approved, | :08:23. | :08:26. | |
protecting a small part of the city. But a much larger amount for the | :08:27. | :08:31. | |
Thames Valley in the south has been approved, and there is this issue | :08:32. | :08:35. | |
that not enough money is being spent on the north. David Cameron says in | :08:36. | :08:43. | |
terms of per head of population more money is spent in the north. I think | :08:44. | :08:48. | |
that is highly spurious, because it depends what the risk is, and I | :08:49. | :08:52. | |
think the risk is more in the north and the south. Yes, it is obviously | :08:53. | :09:03. | |
going to be a continuing political debate, which I'm sure the | :09:04. | :09:09. | |
opposition will push. Is there something in your estimation that | :09:10. | :09:12. | |
could seriously harm David Cameron and the government in terms of | :09:13. | :09:16. | |
popularity? I'm not sure that that is his heartland. Say you are | :09:17. | :09:21. | |
reinforcing the point that he doesn't give a monkey? -- a | :09:22. | :09:35. | |
monkey's? I think there are previous governments that have failed in this | :09:36. | :09:42. | |
way as well. That ?180 million bill looks very small now, but we don't | :09:43. | :09:48. | |
know if it would have worked. We could all say, that would have saved | :09:49. | :09:51. | |
everyone, and it might have done but it might not. This weather is | :09:52. | :09:57. | |
unprecedented. And while many politicians think that they are | :09:58. | :10:00. | |
God, they are not responsible for the rain. Let's go on to the | :10:01. | :10:06. | |
Independent and move away from the floods for a while. Jeremy Corbyn | :10:07. | :10:11. | |
challenges David Cameron to an annual TV debate, taking his cue | :10:12. | :10:21. | |
from recent elections. You think this is a terrible idea. I think it | :10:22. | :10:27. | |
would be boring. First of all, I actually want politicians to do | :10:28. | :10:33. | |
something quite extraordinary, and that is the jobs that we pay them to | :10:34. | :10:37. | |
do. I don't want them to be worrying about cameras and TV programmes and | :10:38. | :10:42. | |
script writing, and more platitudes and arguments and... I am so bored | :10:43. | :10:49. | |
of it. And I think the nation is. Once every five years, fine, if that | :10:50. | :10:54. | |
is what you want to do, and you might have something interesting to | :10:55. | :10:59. | |
say. But once a year? Even people who like sport wouldn't want the | :11:00. | :11:04. | |
Olympics every year, would they? I suppose Jeremy Corbyn is making the | :11:05. | :11:07. | |
point that it is trying to hold the government to account. Then do it in | :11:08. | :11:12. | |
the Commons as an opposition leader. This might be the real point for | :11:13. | :11:16. | |
some people, that perhaps Jeremy Corbyn hasn't really been doing | :11:17. | :11:22. | |
that. He started well with his first one, people quite like that | :11:23. | :11:28. | |
different style, perhaps he hasn't been doing it, but why not see it? | :11:29. | :11:34. | |
Why not give him a chance. Do it in the Commons, he gets that every | :11:35. | :11:39. | |
week. It is quite short, and controlled, and anything that gives | :11:40. | :11:42. | |
a chance to see more politics if they want to, it is not a bad thing. | :11:43. | :11:49. | |
You know as well as I do it will be used as a sort of nothing nonsense. | :11:50. | :11:54. | |
They won't say or do anything, or actually achieve anything, they are | :11:55. | :12:00. | |
just going to be themselves up. It is better than hiding behind a few | :12:01. | :12:06. | |
partly filmed broadcasts. To be a good opposition leader you don't | :12:07. | :12:09. | |
need to be on television, you need to do it with your policies. There | :12:10. | :12:17. | |
is nothing wrong with television expert a lot of jibber jabber. But | :12:18. | :12:25. | |
you actually believe it would open the government to some scrutiny. You | :12:26. | :12:29. | |
would be watching it every five minutes. OK, The Times. The honours | :12:30. | :12:40. | |
list is dominated by public school elite. Yes, this is no progress | :12:41. | :12:50. | |
story. The domination of private school people is just as great as it | :12:51. | :12:55. | |
was 50 years ago, and 48% of honours recipients are former public school | :12:56. | :12:59. | |
people, and that is pretty much the same as it was in 1955. It is a | :13:00. | :13:05. | |
shame, of course there are arguments as to why that is, but it doesn't | :13:06. | :13:11. | |
seem right that 6% also go to private schools, and yet they are | :13:12. | :13:15. | |
still dominating society, not just in terms of the honours, but in | :13:16. | :13:20. | |
terms of the professions and all sorts of main areas of public life. | :13:21. | :13:28. | |
37% of them went to Oxford or Cambridge. I don't know what that | :13:29. | :13:32. | |
says. Does it say that private education is just that much better? | :13:33. | :13:36. | |
Does it say that people are more aspirational. I'm not saying that it | :13:37. | :13:43. | |
does, I'm asking. What does it say about society? And oldboys' | :13:44. | :13:48. | |
network? I'm sure some of that is the case, not all of them. Some of | :13:49. | :13:53. | |
them are very good schools, and people can't be faulted for going to | :13:54. | :13:57. | |
a good school and making the best of it, but it is not a satisfactory | :13:58. | :14:03. | |
situation. I will say that I am annoyed, Clive, by actors who get | :14:04. | :14:14. | |
these gongs for just being actors. Fair enough, Babs Windsor, but if | :14:15. | :14:23. | |
you are well played person -- well-paid person doing the job you | :14:24. | :14:30. | |
love to do, would I give them an award? Not unless they have done | :14:31. | :14:34. | |
something special. They are doing exactly what they want to do. And, | :14:35. | :14:44. | |
we are spending loads of cash due to the extra shopping day. ?1.75 | :14:45. | :14:50. | |
billion, according to this front page. Did you buy anything special? | :14:51. | :14:58. | |
Absolutely not, I don't like shopping. We couldn't have spent | :14:59. | :15:05. | |
that much. I have come through London quite often on Boxing Day at | :15:06. | :15:10. | |
about 9pm, and it is always absolutely rammed with people. We | :15:11. | :15:19. | |
will end up there. Many thanks. Stay with us, Sportsday is next. | :15:20. | :15:22. |