Monday, 24 October 2011

Flood Risk Home Insurance


If you live in area likely to flood you need the right insurance
 The weather in the south east of England is a very pleaasnt 18 degrees to day, but further west heavy rain and possible flooding is forecast. We only need some heavy rain and there is the risk of floods and the risk to those areas that get affected by flooding becomes a threat.

What happen if you live in one of those "dangerous areas" and the bank insurance company cancels the cover?

The following has been senmt to us last Friday by Neil Cook, insurance broker who works for  T R Youngs / Allstyles insurance brokers. We have removed the name of the bank, but it is one of the major UK clearing banks.

 “We discovered by chance that our existing insurers for the buildings insurance (XXXX  XXX) had cancelled the policy as of March 2011 and we were therefore without any cover. With the Bank Managers help at XXXX Bank we tried to find out why it had been cancelled and the direct debit payments had not been taken out of our account, but he wasn’t able to give a reason?


When we tried to rearrange another policy with the bank, despite going through the whole process with their insurers we were told that our application had been declined, and also by the other companies XXX Bank use. Eventually, it transpired after them running a postcode check of the area, the property had been classified by the Environment Agency as being in a flood plain and liable to flooding. The Bank was unable or reluctant to offer any further assistance and we were left with the problem of no insurance and effectively a valueless property.


I contacted Neil using the reply back service on the website and within minutes I had a telephone call back from him with some preliminary information and advice. Within less than hour after contacting him he had arranged a new policy with an additional flood risk element and for a saving of almost £200.00 from our previous insurer.


Thanks to the efficient and prompt service we were fully covered the same day and now have peace of mind over what could have been a real dilemma. I can without question highly recommend Neil’s expert advice and service to anyone in a similar position to us, a valuable contact to have.”


If you live in an area that has the risk of flooding and want some advice or a quote for flood risk home insurance Click Here

22 comments:

ayala premier said...

thanks, your in depth info on flood insurance really helped me.
Do you have more info on other insurance services that cover acts of nature/god?

-bianca from Ayala Land Premier

buy and sell philippines said...

Too bad this info just came a bit late (1 year to be exact) after the worst flooding of the century hit our country. Should have save some headaches have I known this information. Thank you very much for sharing.

Edward

Anonymous said...

this blog was so informative !

Properties philippines

Properties Philippines said...

Nice post! i think your are Providing The most Necessary Information According To these Days! i Really like It!

- nina

web design said...

Great,,thanks for the information, good job your blog is wonderful.. keep posting. thanks again.

melanie

Anonymous said...

thank you for the information, all of this are very informative. keep it up.

-april

condo

Anonymous said...

thank you for the information, all of this are very informative. keep it up.

-april

condo

Anonymous said...

thank you for the information, all of this are very informative. keep it up.

-april

condo

ipad for sale said...

I wonder how you got so good. This is really a fascinating blog, lots of stuff that I can get into. One thing I just want to say is that your Blog is so perfect! More powers to your blog. keep posting!

-bey

galaxy tab for sale said...

That was interesting.I like your quality that you put into your post.Please do continue with more like this.

-Erika

PSP for sale said...

Great post, thank you for the efforts you have made in writing this article. you give us Good info..Please Keep posting..

- Lance

Elaro said...

Great Post! Thank you for sharing.. More powers ..

Anvaya Cove said...

Hi there, Nice Blog You've got here
spreading information like this was important thank you for sharing!

Santierra said...

your article are simple, but if you read it carefully you will get a very informative idea's.. thank you for sharing this.. more powers to your blog.. keep posting!

- May of Santierra

Jackie said...

Great post! This Article are very helpful for us, Thank you for this informative article. Its is almost perfect! Continue posting. GodBless.



- Jackie of Serendra

Melvin said...

Spectacular article, it has almost everything I needed to find. Thank you for putting the effort and time to write it. Please continue posting. Next time even more exciting stuff.

- Melvin of Ayala Condo

april said...

i agree with all the information mentioned in here, good job. More power


April Monique of Nuvali

Florence said...

Read a lot of blogs specially interesting ones like your blog, Good post!I accidently found your site on the internet, I am going to be coming back here yet again.Love Information Is Beautiful. Keep posting!

- Florence from Ayala Project

april said...

Thank you for this blog. That's all I can say. You most definitely have made this blog into something that's eye opening and important.


April Monique of Nuvali

april said...

I must say that your post is very interesting!



April Monique of Nuvali

Ayala Westgrove Heights said...

Thank you so much for taking the time to share such a nice information.

- Lanie of Ayala Westgrove Heights

♥April Monique♥ said...

Thank you for this blog. That's all I can say. You most definitely have made this blog into something that's eye opening and important.


Monique of Ayala Greenfield Estates