Translate the text from Welsh to English.



 
Ar 27 Mehefin 2013, lansiodd Llywodraeth y DU ymgynghoriad ar yswiriant llifogydd. Bydd yr ymgynghoriad yn parhau am 6 wythnos, ac yn ceisio barn ynghylch cynigion i adolygu argaeledd a fforddiadwyedd ‘yswiriant llifogydd’, sef yr yswiriant ar gyfer adeiladau ac eiddo mewn ardaloedd sydd mewn perygl o lifogydd.

https://www.gov.uk/government/consultations/insurance\-in\-areas\-of\-flood\-risk (Saesneg yn unig)

Yr opsiwn a ffefrir yw cronfa yswiriant â chymhorthdal, o’r enw “Flood Re” ar gyfer tai sy’n wynebu risg uchel o lifogydd. Byddai’r gronfa hon yn cael ei hariannu drwy godi ardoll ar bob premiwm yswiriant, ac fe’i gweinyddid gan y diwydiant yswiriant. Byddai’r dull gweithredu hwn yn golygu gweithio mewn partneriaeth â’r diwydiant yswiriant i gael ateb a fydd yn disodli’r Datganiad Egwyddorion presennol.

Bydd fy swyddogion yn parhau i gydweithio â’u cymheiriaid yn Lloegr, yr Alban a Gogledd Iwerddon i lunio system a fydd yn caniatáu i bobl yswirio eu cartrefi heb orfod wynebu codiadau mawr ym mhris eu hyswiriant. Argaeledd yswiriant yn unig oedd dan sylw yn y Datganiad Egwyddorion diwethaf; byddai cytundeb newydd gyda’r diwydiant yswiriant yn anelu i fynd i’r afael â fforddiadwyedd drwy gapio premiymau yswiriant gan eu cysylltu â bandiau’r dreth gyngor fel bod pobl yn gwybod beth fydd yr uchafswm y bydd rhaid iddynt ei dalu.

Mae pobl sydd mewn perygl o ddioddef llifogydd yn eu cartrefi yn mynegi pryderon yn aml ynghylch argaeledd a chost eu hyswiriant. Gall llifogydd achosi costau ariannol sylweddol, ac os nad oes yswiriant digonol gan bobl i dalu’r costau hynny gall hyn wneud effeithiau emosiynol a ffisegol y llifogydd yn waeth byth.  
Rwyf i o blaid yr egwyddor cyffredinol o gymhorthdal i helpu i gadw yswiriant yn fforddiadwy a hawdd ei gael ond bydd angen inni barhau i drafod sut mae rhoi hyn ar waith, ac am ba hyd. Ymhen amser, bydd prisiau yswiriant yn adlewyrchu’r risg gwirioneddol a dylai perchnogion tai mewn ardaloedd risg ddod yn fwy ymwybodol o’r posibilrwydd o lifogydd a gallu ei wrthsefyll yn well.

Os cytunir ar yr opsiwn a ffefrir, bwriedir ei gyflwyno drwy’r Bil Dwr, ond bydd yn cymryd amser i sefydlu system newydd. Hyd nes y bydd y Bil Dwr wedi pasio trwy Senedd y DU a chronfa “Flood Re” wedi’i sefydlu, mae’r diwydiant wedi cytuno i lynu at y Datganiad Egwyddorion cyfredol.

Mae Llywodraeth Cymru’n parhau’n ymrwymedig i fynd i’r afael â pholisi llifogydd drwy’r Rhaglen lywodraethu a’r Strategaeth Genedlaethol ar gyfer rheoli’r perygl o lifogydd ac erydu arfordirol. Byddaf wedi buddsoddi dros £180 miliwn mewn mesurau i reoli’r perygl o lifogydd dros oes y Llywodraeth hon. Yn ychwanegol, byddwn yn cael dros £60 miliwn o Gronfa Datblygu Rhanbarthol Ewrop a Dyraniad Cyfalaf Canolog dros yr un cyfnod, gan leihau’r peryglon i dros 7,000 o gartrefi a busnesau ym mhob rhan o Gymru.

         





Translation:


 
A consultation on flood insurance was issued by UK Government on 27 June 2013 and will run for 6 weeks. It seeks views on proposals to address availability and affordability of ‘flood insurance’, which is buildings and contents insurance in areas of flood risk. 


https://www.gov.uk/government/consultations/insurance\-in\-areas\-of\-flood\-risk


The preferred option is a subsidised insurance pool for high risk households entitled “Flood Re”, which will be funded by a levy on all buildings and contents insurance premiums and administered by the insurance industry. This approach works in partnership with the insurance industry to deliver a solution to replace the current Statement of Principles.


I support the general principle of a subsidy, helping to keep premiums available and affordable but discussions will continue on how it will operate and over what period. In time, premiums will become more reflective of the true risk and homeowners in flood risk areas should be aware of potential flooding and how to become more resilient to that risk.


My officials will continue to work with their counterparts in England, Scotland and Northern Ireland to bring forward a solution that allows people to insure their homes and not face steep increases in premiums. Whilst the previous Statement only worked on the availability of insurance, a new agreement with the insurance industry will aim to address affordability by capping flood insurance premiums, linking them to council tax bands so that people will know the maximum they will have to pay.


Access to affordable buildings and contents insurance is often cited by those at flood risk as one of their main concerns. The financial consequences of flooding can often be substantial, and where homeowners do not have adequate insurance cover meeting the costs of repairs can be difficult, compounding the emotional and physical impacts of a flood.


If the preferred option is agreed, the intention is to deliver it through the Water Bill, but setting up a new system will take time. Until the Water Bill has passed through Parliament and Flood Re is set up, industry has agreed to abide by the current Statement of Principles.


The Welsh Government remains committed to addressing flood policy through the Programme for Government and National Strategy for flood and coastal erosion risk management. I am investing over £180 million in flood and coastal erosion risk management over the life of this Government.  In addition to this we will receive over £60 million from the European Regional Development Fund and Central Capital Allocation over the period, reducing the risks for over 7,000 homes and businesses across Wales.