HOUSEHOLD INSURANCE

We get dozens of enquiries every week from people who are struggling with household insurance to cover floods. We are independent and able to offer advice and guidance on how to go about getting insurance.

Many homeowners and tenants at risk of flooding struggle to get household insurance, but there are some simple things to do to increase the chances of success:

Phone insurers directly, rather than using price comparison websites.

Check whether you are eligible for Flood Re by checking their website or if you cannot access the internet telephone our advice line.Are you eligible »

I AM ELIGIBLE

Phone individual insurers listed on the FloodRe website. It is important to contact at least three companies to encourage competition and so that you can compare products. If you are eligible and find that you are getting no quotes after phoning 10 companies, please contact us.
You may find that you get a better offer without the use of Flood Re, so it is worth bearing this in mind.

I AM NOT ELIGIBLE

Insurance companies and brokers may also advertise on Blue Pages.
Contact companies listed below in our Broker Protocol.
Telephone our advice line for help on accessing insurance.

For Home Insurance visit www.bluepages.org.uk

The National Flood Forum has entered agreements with the companies below where we act as an Independent Appointed Representative. The companies provide a donation for each new policy and renewal signed and agree to abide by the Insurance Broker Protocol.

Blue Pages

Insurance companies and brokers may also advertise on Blue Pages.

IMPORTANT TIPS

Here are some tips when taking out the insurance policy.

BE HONEST

1

When asking for a quote it is important that you tell the whole truth. The danger of not doing so is that you invalidate your policy and you will not be able to make a claim should you need to. You should avoid the temptation to overlook a previous flooding incident or a nearby ditch.

READ THE POLICY

2

Make sure that you read the insurance policy in full before purchase to make sure that it covers you and meets your needs. The cheapest policy is not always the best.

VALUE ACCURATELY

3

Be thoughtful when thinking about the value of the goods and property being insured. Whilst you don’t wish to be overinsured, underinsurance can result in only part of your claim being paid.

KEEP EVIDENCE

4

Do keep receipts of major items purchased for future reference. Photographs of your rooms and contents may also be useful if you need to make a claim at some future date.