Some insurance call centres appear to be misguiding flood and subsidence victims

We have been sent a disturbing report by specialist insurance broker  Neil Cook in the week that ended with Halloween. The information has named several insurance companies and those names have been removed.


"Over the course of this week I have heard several horror stories of a call centre that claims to have been a broker (name removed) who’s over keen /over aggressive staff are taking clients money and not telling the insurers the real complications of the cover such as flood /high flood risk, subsidence, claims or criminal convictions etc if the premium


Some companies seems too cheap, so ask to see a full quotation in writing before you part with your cash please. If you need a specialist policy make sure that’s what your getting not something you thought it was that will not payout !!!
Two other companies are others on the complaints list they sell their policies either online or through financial advisers and they are keen on getting your money rather than giving the cover you want ! Certain older person specialist insurance companies also are not as good as they seem, reports of them charging premiums 3 or 4 times market rates such a lady in north London who’s home had suffered subsidence ! She mentioned she was paying £350 it seemed quite good NO it was £350 a month so £4200 a year our specialist got her cover for £1500

Beware of insurers specialising in insuring the older generation they will sell you a policy at rock bottom prices and within a few years you will end up vastly more you might pay elsewhere

Please don’t be scared by the usual suspects into believing that they done you a great favour in keeping you covered and they that no one else can help, nor when you find that they change their tune and either say they no longer cover your risk etc


There are true experts who are experienced people not call centres and treat you as a person, those are the ones we recommend to you.


More often than not their premiums can be lower than you would expect they also promise that cover will transfer to any one that buys your house and also that policies can transfer landlords policies and visa versa

Lastly in the various horror stories as we have just had Halloween, an old lady in Ulverston was quoted £18000 by her insurer of many many years to renew her house insurance after a flood claim the shock almost killed her ! our specialist would have offered her nearer £600 we would like to hear your insurance horror stories"

You can contact Neil Cook by using this form 

Source Neil Cook

Floods have been very much in the news again with flooding in Ireland earlier in the month. A report in the Saturday 29th October edition of The Independent said "Floods 'bigger threat than burglary'. The report in the finance pages said that water damage is the "silent threat" to British homes and a bigger threat to homes than burglary.  This was after last weeks torrential rain in parts of England and Wales.  See the report here