A scheme unveiled at the UN climate summit aims to help protect 400 million poor people from extreme weather by 2020 – but not everyone is convinced

“I was wondering if it was a dream,” said Walter Edwin, who sells honey from more than 50 beehives in Dennery on the Caribbean island of St Lucia. He had just received a phone call telling him to go to the bank for an automatic insurance payout following the major hurricane that struck in 2014.

“I used that very same money to get some syrup to look after my bees,” he said. Storms destroy the flowers the bees need for food, and falling branches damage the hives. Edwin is one of millions of people around the world vulnerable to the impacts of extreme weather already benefiting from low-cost insurance schemes.

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