:00:00. > :00:08.BBC Two in a few moments, asking what lessons the flood have
:00:09. > :00:12.Good evening. David Cameron has urged insurers to
:00:13. > :00:16.help flood victims as quickly as possible. Hundreds of homes in the
:00:17. > :00:19.Thames Valley have been affected by the recent flooding, with some
:00:20. > :00:23.people still waiting for insurers to pay out. Other properties are
:00:24. > :00:27.uninsurable. In a moment, the new scheme designed to improve insurance
:00:28. > :00:32.for high risk areas. But first, this report from Tom Turrell.
:00:33. > :00:41.It might not look like it, but Peter's one of the lucky ones...
:00:42. > :00:48.This is an old house that was built in the 1830s, when they didn't tank
:00:49. > :00:53.the sellers. When the water table rises, the waterfall. . Despite the
:00:54. > :00:57.fact his cellar at his Streatley home fills with floodwater, he can
:00:58. > :01:03.get insurance for the rest of his property. They asked where the
:01:04. > :01:08.flooding occurred and I said it was to water seepage in the basement,
:01:09. > :01:12.and so they accepted the insurance, but they had an exclusion for any
:01:13. > :01:20.damage in the basement. But not everyone's so lucky. It was scary.
:01:21. > :01:25.My husband was outside petting the sandbags out, and we were hoping it
:01:26. > :01:27.would stop, but it didn't and it started coming up through the floor.
:01:28. > :01:31.Floodwater's destroyed the ground floor of Lyndsey's home, forcing her
:01:32. > :01:34.and her young family to move out. But she says despite telling her
:01:35. > :01:42.insurance company about the damage more than a week ago, they've still
:01:43. > :01:46.not done anything to help. It's frustrating, because our
:01:47. > :01:50.neighbours, their insurers have been fantastic. They have been in a hotel
:01:51. > :01:53.since it happened and they have had the carpet ripped up and have had
:01:54. > :01:57.people around. It seems like some thing is happening for them and
:01:58. > :02:02.nothing has happened for us. We are still waiting to be told that we can
:02:03. > :02:06.start. In this case it is unclear if the insurers will pay out and if
:02:07. > :02:13.so, when, leaving Lindsay and many like her uncertain what will happen
:02:14. > :02:16.next. The government and insurance firms
:02:17. > :02:20.are now working together to change the way they cover properties in
:02:21. > :02:23.future. Earlier I spoke to Malcolm Tarling is from the Association of
:02:24. > :02:26.British Insurers, who explained how the scheme will work.
:02:27. > :02:31.The new scheme we have agreed with the government and that comes into
:02:32. > :02:34.force in 2015 aims to protect those households who are most at risk of
:02:35. > :02:38.flooding and who will be least able to afford the cost of flood
:02:39. > :02:43.insurance, by copying their flood insurance premiums. We believe that
:02:44. > :02:47.this is a fairer way of helping people who are at risk of flooding
:02:48. > :02:53.and we want to ensure that flood insurance remains as widely
:02:54. > :02:57.available and affordable as possible and will believe this is the best
:02:58. > :03:02.way. Of that belief people in low risk areas are subsidising those in
:03:03. > :03:06.high`risk areas? `` does that mean that people. You do not have to be
:03:07. > :03:10.beside the river or the coast because of flooding. We have seen
:03:11. > :03:17.surface water flooding can affect anyone, anywhere at any time.
:03:18. > :03:21.Everyone has to shoulder some of the responsibility. Don't forget that
:03:22. > :03:25.the levy which is going to part fund this scheme, people are already
:03:26. > :03:28.paying it anyway, because it represents a level of subsidy that
:03:29. > :03:32.existed under a previous arrangement. This new scheme is not
:03:33. > :03:37.asking people to pay more. It is helping those people who are most at
:03:38. > :03:42.risk of flooding and helping them afford the cost of insurance and
:03:43. > :03:45.that is what everyone wants. A man has been charged with the
:03:46. > :03:55.murder of a 17`year`old boy in Oxford. Conor Tremble was stabbed
:03:56. > :03:59.multiple times last week. He died on Saturday. 820 ruled from Banbury is
:04:00. > :04:02.accused of killing him and will appear in court tomorrow. ``
:04:03. > :04:05.20`year`old. A group calling itself the IRA has
:04:06. > :04:08.claimed responsibility for sending explosive devices to Army careers
:04:09. > :04:10.offices, including one in Oxford Seven suspect packages were
:04:11. > :04:13.discovered at army offices across the country. Part of Oxford city
:04:14. > :04:16.centre was evacuated last Thursday and bomb disposal teams removed the
:04:17. > :04:20.package for analysis. Production at BMW's Mini plant in
:04:21. > :04:23.Swindon is due to increase. The car manufacturer has announced that new
:04:24. > :04:27.Minis will be built in Holland as well as Oxford. A BMW spokesman says
:04:28. > :04:30.it's good news for Swindon, where the panels are made, as the factory
:04:31. > :04:34.will be producing car parts for both plants.
:04:35. > :04:40.A couple who thought they could never have children have described
:04:41. > :04:43.their ten`week`old son as their miracle baby. Marie Andrews has
:04:44. > :04:46.brittle bone disease and has suffered 200 fractures in her
:04:47. > :04:52.lifetime. But despite the challenges, she was determined to be
:04:53. > :04:57.a mum. Marie Andrews never expected this `
:04:58. > :05:02.to be changing her own baby. It really was the impossible dream, the
:05:03. > :05:08.final goal she set herself following a major operation at the age of 14.
:05:09. > :05:14.It was either I give up, that I don't get through this back
:05:15. > :05:20.operation, or that I do the best I can with the body that I've got is
:05:21. > :05:25.how I saw it. I wrote it all down and I was just determined to do
:05:26. > :05:29.everything on that list. And I think everything is pretty much ticked
:05:30. > :05:33.off. At under four feet tall, Marie from Milton Keynes did not grow
:05:34. > :05:40.properly because her bones kept breaking. She has the rare disease
:05:41. > :05:46.commonly known as brittle bones. In and out of plaster 200 times. The
:05:47. > :05:52.shopping list of goals gave Marie Ed chance to beat normal `` a chance to
:05:53. > :05:58.be normal. She went to university, flew a plane and had a boyfriend,
:05:59. > :06:02.last year, married him. Her son was carried by a surrogate and born in
:06:03. > :06:12.November. It was amazing, and it was a homebirth. We rushed in and we
:06:13. > :06:17.held him when he was two minutes old. We were there from the first
:06:18. > :06:22.moment. There was a 50% chance he might have inherited the condition.
:06:23. > :06:25.Thankfully, he is fit and healthy. But her personal assistant, Vicky,
:06:26. > :06:32.helps you be the hands`on mum she wants to be, with her husband and
:06:33. > :06:36.baby she is complete, her life turned around by hope and
:06:37. > :06:40.determination. Football, and Swindon have missed
:06:41. > :06:42.out on a Wembley final. They lost to Peterborough tonight in the Southern
:06:43. > :06:46.Section area final of the Johnstone's Paint Trophy. It was
:06:47. > :06:48.1`all at full time. Peteborough won on penalties.
:06:49. > :06:52.Alexis is on the way with the weather forecast. South Today is
:06:53. > :06:55.back in BBC Breakfast tomorrow morning. Good night.
:06:56. > :06:58.Hello, there will be brainless week and went at time, but not as strong
:06:59. > :07:06.as last week and the rain not as heavy. `` rain this week. The rain
:07:07. > :07:10.light and patchy tonight. Mist and fog with temperatures dropping to
:07:11. > :07:16.around six or seven Celsius. A frost free night to come and a damp start
:07:17. > :07:19.for some of us. The showers continue in between sunny spells. The
:07:20. > :07:22.brightness will be more so during the afternoon and the showers could
:07:23. > :07:26.be on the heavy side in the middle part of the day, with temperatures
:07:27. > :07:30.reaching eight or nine Celsius and the wind fairly light. We are
:07:31. > :07:32.looking at rain tomorrow. As we look ahead to the rest of the week,
:07:33. > :07:46.Whilst across the whole of the country the general weather pattern
:07:47. > :07:50.shows no signs of completely settling down there is some good
:07:51. > :07:54.news. There will be some drier spells over the next couple of days,
:07:55. > :07:59.the wind is not as strong and it will be relatively mild. Cloud
:08:00. > :08:09.tonight, the exception is the Northern Isles. The risk of a touch
:08:10. > :08:11.of Frost. A weakening front sitting through Scotland. Some heavier
:08:12. > :08:12.showers for Northern Ireland and