Even if your property has never been flooded it may be regarded as being at risk of flooding. Most insurers use data supplied by environmental consultancy firms which identifies flood risk areas by postcode. And because the flood risk map is constantly changing, the number of properties requiring flood insurance is constantly changing.
You may well have been with the same insurance provider for years and years to suddenly be refused cover. However, just because your property is in a postcode which has been identified as being at risk; it doesn’t necessarily mean your home is likely to be flooded. Perhaps you live on a flood plain, but at such a distance from the river that your property has never been flooded, or maybe your property is on much higher ground than others in your postcode.Get a Quote
Our team of expert consultants will assess your property’s risk factors and present your case to a panel of specialist underwriters. It’s a bespoke service, but by carefully explaining your individual circumstances; we are often able to negotiate some serious savings.
Policy details vary from provider to provider, but common benefits include: