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