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Flood risk and home insurance

On 27 Feb 2019 at 11:21am peterb wrote:
I'm currently having difficulty getting home insurance without paying huge amounts. It seems that since the 2000 floods most of the town is now considered a flood risk area. Even houses like mine that didn't flood in 2000. This is despite the fact that a lot of new defences have been put in place that massively reduce the chance of flooding happening again. No matter what I tell the insurance companies they won't cover it. Has anyone else had this problem who can offer advice?
On 27 Feb 2019 at 11:58am Tommy wrote:
I'm at the top of the hill
On 27 Feb 2019 at 12:38pm Over the bridge wrote:
I'm with NFU and haven't had a problem.
On 27 Feb 2019 at 3:28pm Local wrote:
Climate change
On 27 Feb 2019 at 4:53pm wanderer wrote:
Birmingham and midshires
Explained the house did flood and been with them since 2009 for contents only
Currently paying £16pm
Barclays quoted £2000
On 27 Feb 2019 at 5:52pm Feline wrote:
Try Nationwide and London Victoria. Both mutuals so not so money grabbing.
On 27 Feb 2019 at 6:46pm drone wrote:
Liverpool Victoria insured me for home & contents at a fair price. Zurich didn`t want to know after the flood. Other companies just looked at the post code & said no. Been with LV ever since.
On 27 Feb 2019 at 9:49pm Earl of Lewess wrote:
The deal with insurance is supposed to be that we all pay into the pot and some of it will go to unlucky few, while the rest of us thank our good fortune. Companies that don't play by the rules should be named and shamed.
On 28 Feb 2019 at 9:05am Ed Can Do wrote:
Renewals are always a joke amount of money, also insurance companies aren't supposed to look at stuff that happened over ten years ago so just don't tell them about the flood.
I used to be with Direct Line until their renewal quote came back one year at twice the previous amount so now I'm with Lloyds bank. Mine is a couple of hundred quid a year and my house actually flooded in 2001.
On 28 Feb 2019 at 9:31am peterb wrote:
Thanks everyone for recommendations. When I requested quotes I did not mention the flood, but they do checks and it would always come up on their system as a flood risk area. However, I've finally found an insurance who doesn't insist on the flood cover and got a good deal (Paragon Advance)..
On 28 Feb 2019 at 11:50am Ferret wrote:
I'm no expert but there appears to be a scheme which helps people in flood risk areas, by reinsurance which happens in the background. Not all insurers take part in the scheme although all pay into the fund.
Here's a link:

Check it out here »
On 28 Feb 2019 at 4:36pm Fluffy wrote:
@Ferret yes but when Iíve contacted insurance companies on the list, most are either too expensive or deny being in the scheme
On 28 Feb 2019 at 7:15pm Ferret wrote:
As I said, I'm no expert. With insurance you have to read the small print, and above all, make sure that you don't give them a reason to not pay out in the event of a claim. Not mentioning the previous flooding sounds risky, although most insurers surely check the post code for flood risk. And if the premiums look like a bargain, there's probably a reason.
On 2 Mar 2019 at 11:21am A Person wrote:
I helped a friend with this. Some insurers just go by postcode, while some will use the actual address. My postcode, for instance, includes properties at the bottom of the hill where there has historically been flooding but the top end has never flooded because it's about 10m higher. I think we managed to get my friend's quote down by about 50% this way.
On 6 Mar 2019 at 10:06pm James Mc wrote:
Sorry @peterb I was slightly slow in replying to your post as you now appear to have found an insurance provider.
For those people in Lewes (and surrounding areas) which have suffered from flooding, or those being quoted vastly inflated insurance premiums due to the potential risk insurance companies perceive their properties to be in.
There is a charity I've worked with called The National Flood Forum (link below) which is able to offer assistance to households and businesses in order to obtaining affordable insurance

Check it out here »
On 10 Mar 2019 at 4:12pm Grumbleweed wrote:
One way to avoid high premiums would be not to live in an area at risk from flooding.

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