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Flood defences may help to lower the cost of home insurance in high-risk areas, it has been suggested.

Graeme Trudgill, technical and corporate affairs director at the British Insurance Brokers Association (Biba), explains that insurers will take into account any efforts to minimise risk.

"We have a scheme that our brokers sell for people in those flood-prone areas," he says.

"And if they do fit those defences then it means that they can get insurance."

He adds that a number of years without the need for a home insurance claim to be made could be viewed favourably by insurers.

Following such a period, Mr Trudgill contends that premiums and excesses would be likely to fall for a particular home.

His comments follow some 180,000 separate flood-related insurance claims which were made over the summer of 2007.

In all, the cost to the industry reached £3 billion, according to figures from the Association of British Insurers.

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