I wish to raise the fallout of Hurricane Ophelia and insurance for people. The media have suggested that house and car premiums may go up for ordinary citizens. Insurance companies cannot use Hurricane Ophelia as a back door to raising insurance premiums. They factor heavy loadings for storms and other impacts into the prices they charge, so they cannot rip people off because of Ophelia. They also have to reinsure people. Ophelia was completely unexpected and they cannot refuse to reinsure people. We should have a debate on this in order that insurance companies are given a warning that they cannot rip people off.