MHCLG told us that, as well as options for intervening in the market to reduce premiums while buildings are awaiting remediation, it expected the insurance industry to hold to its word in reducing premiums as risk is reduced. It said it would monitor if premiums were falling as buildings remediated through the PAS 9980 standard came through the process. However, the Association of British Insurers (ABI) indicated that without significant changes to the government’s remediation approach, premiums may remain high even after remediation.53 The PAS 9980 standard takes a more proportionate approach to remediation that prioritises risk to life and not risk to the building. This approach calls for greater use of lower cost mitigations such as sprinklers and in some cases, where the risk to life is deemed low or ‘tolerable’, it can mean some flammable material staying in place.54