An estimated £30m will be saved from the cost of trusts' property and liabilities insurance compared to two years ago, as a result of the pooling arrangement for risk that now operates across the NHS, according to health minister John Denham. The schemes set up two years ago mean that members will be paying only about a quarter of the rates they were paying three years ago in commercial premiums. For 2001-02 trusts' contributions will be less than £9m across the NHS, largely because there has been significant rebating of previous years' contributions. Mr Denham said the savings will be redirected into patient care.