瑞秋·克伦（Rachel Clun）与肖恩·法林顿（Sean Farrington）报道，保险巨头英杰华集团（Aviva）的负责人表示，目前正在建造的一些房屋，未来可能会因洪水风险而无法投保。
By Rachel Clun, Sean Farrington Homes are being built today that could become uninsurable in the future due to the risk of flooding, the boss of insurance giant Aviva has said.
阿曼达·布兰克（Amanda Blanc）表示，洪水风险“绝对在增加”，但按照目前的建筑模式，未来十年内将有11.5万套新房建在洪水易发区。
Amanda Blanc said the risk of flooding is "absolutely increasing", but based on current building patterns 115,000 new homes will be built in flood zones in the next decade.
“在我看来，这毫无道理。我们需要认真考虑这些房屋的选址问题，”她在接受英国广播公司（BBC）采访时说道。
"That doesn't seem to me to make sense. We need to think about where those homes are being built," she told the BBC.
据英国环境署统计，英格兰约有630万户家庭和企业面临洪水风险。英杰华的研究发现，2022年至2024年间建造的房屋中，有九分之一处于中高洪水风险区。
About 6.3 million homes and businesses in England are at risk of flooding, according to the Environment Agency, and Aviva research found one in nine homes built between 2022 and 2024 are at medium to high risk of flooding.
布兰克在接受BBC《大老板访谈》（Big Boss Interview）播客采访时表示，英格兰“肯定”正在建造一些未来可能无法投保的房屋。
Blanc told the BBC's Big Boss Interview podcast that England was "for sure" building homes that might be uninsurable at some point in the future.
“这些洪水易发区的位置众所周知。我们必须非常谨慎地考虑正在建造的房屋。”布兰克表示，对于毗邻这些洪水区的建筑，也需要采取不同的应对方法。
"It's very well known where these flooding areas are. Let's think very carefully about homes that are being built." Blanc said construction that borders those flood zones also needs a different approach.
“你可以对房产采取各种不同的措施，使其对洪水的抵御能力增强或减弱，”她说。
"You can do all sorts of different things to your property to make it more or less vulnerable to flood," she said.
根据英杰华的研究，到2050年，2024年新建的房屋中近三分之一将面临一定的洪水风险，随着极端天气愈演愈烈，七分之一的房屋将面临中高洪水风险。
According to Aviva's research, nearly a third of new homes built in 2024 will be at risk of some flooding by 2050, and one in seven would be at medium to high risk of flooding as extreme weather becomes more acute.
今年早些时候，英国气象局估计，以目前的全球变暖水平来看，像2023-2024年英国经历的那种破纪录的潮湿冬季，其发生频率已从80年一遇变为20年一遇。BBC已就此事联系政府寻求置评。
Earlier this year the Met Office estimated that with current levels of global warming, record-breaking wet winters like the one experienced in the UK in 2023-2024 have gone from once in 80-year events to once in 20-year events. The BBC has approached the government for comment.
在这次广泛的采访中，布兰克敦促政府在财政大臣约翰·希利（John Healey）于10月28日发布首份预算案之前，避免进行政策“试探”。
In a wide-ranging interview, Blanc urged the government to avoid policy "kite flying" ahead of Chancellor John Healey's first Budget on 28 October.
英杰华是英国主要的私人养老金提供商。布兰克表示，过去几次预算案中关于养老金改革的猜测，导致了养老金提取额的显著增加。
Aviva is a major UK private pension provider, and Blanc said speculation over the last couple of Budgets about changes to pensions led to a significant increase in withdrawals.
事实上，过去一年我们看到的养老金提取额是正常水平的30倍，这显然是客户事后可能会后悔的，因为一旦将免税 lump sum 提取出来，就无法再放回去。”她说。
"Effectively we saw in the last year 30 times the normal withdrawal from pensions that we would normally see, which is clearly something which customers may regret afterwards because once you take your tax-free lump sum out, you can't put it back in," she said.
“所以我们建议，大家在尝试和考虑相关事项时一定要非常、非常审慎。”到目前为止，预算案前发布的几项政策消息包括一项帮助首次购房者在英国置业安家的计划，以及希利承诺为英国带来“工业化新时代”。
"So we would say be very, very thoughtful about the things that you are testing, thinking about." The few policy announcements ahead of the Budget so far have included a scheme to help first-time buyers get on to the property ladder, and a commitment from Healey to deliver a "new age of industrialisation" for the UK.
布兰克表示，安泰（Aviva）“已准备好资本”投资基础设施，并指出该公司目前已在英国投资逾1000亿英镑，其中350亿英镑投向从医院、学校到风电场的基础设施。
Blanc said Aviva was "ready with capital" to invest in infrastructure, pointing out that the company already invests more than £100bn in the UK, £35bn of which goes into infrastructure, from hospitals to schools to windfarms. "We've got that capital.
“我们拥有这些资本。我们希望进行投资，而且是英国的大型雇主。我们希望投资英国的基础设施。这能为我们的养老金领取人和相关养老金的成员带来良好回报。”她说，不过，要将这一想法变为现实，还需要更多细节。
在被问及目前围绕养老金“三重锁定”的争论——即国家养老金按平均工资涨幅、通胀率或2.5%三者中的最高值上调——以及政府是否考虑改变这一机制时，布兰克表示，该采取何种做法并不是她能置喙的。
We want to invest, we're a big UK employer. We want to invest in UK infrastructure. It provides good returns for our pension holders and for the members of those pension schemes," she said, but added detail was needed to turn it into reality. Asked about the current debate about the pension triple lock, which means the state pension rises by the highest of either average wage increases, inflation or 2.5%, and whether the government is looking to change that, Blanc said it was not for her to say what should happen.
不过，她补充说，如果改变三重锁定机制，导致养老金年度涨幅降低，就会产生连锁影响。
But potential lower annual increases to pensions if the triple lock is changed would have knock-on effects, she added.
“如果你的国家养老金减少，就需要更高的私人养老金，对吧？所以你需要考虑两者之间的平衡。”布兰克说。
"If you've got a lower state pension then you need a higher private pension, don't you? So you need to think about that balance," Blanc said.