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.
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:
I AM ELIGIBLE
I AM NOT ELIGIBLE
The National Flood Forum checks that the company is on the Financial Conduct Authority register and receives a copy of the broker’s Treating Customers Fairly document.
Brokers often specialise in certain areas, allowing them to offer policies where other companies might find it more difficult to do so.
Here are some tips when taking out the insurance policy.
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
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.
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.
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.