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If you live in an area subject to be a high flood risk, you will probably have experienced problems getting flood insurance cover at a reasonable price.

There are over 5 million homes at risk in England and Wales and many insurance companies are not interested in providing insurance cover for those properties.


Allstyles / TR Youngs Insurance Brokers underwiter's will consider properties that have been flooded and offer cover where the existing insurer won't. Click on the logo below to contact them for a quote today

alternatively find out more here at their ad on this site HERE...


For Owners (Private Residences)


Owner Occupier Insurance

We provide this Home Insurance, with flexible cover and monthly payment option, for Private Residences and Owner Occupiers to match their needs.

Loss or damage Caused by:

  • Frost;
  • A change in the water table;
  • Wet or dry rot, rust, corrosions or other wear, tear and deterioration. Loss or damage to; gates, fences, hedges, railings, domestic fixed fuel-oil tanks in the open, swimming pools, tennis courts, walls, paved terraces, patios, paths, lampposts and drives; Loss or damage whilst the property is empty or unoccupied.


homeprotect is an award-winning home insurance service designed to be as inclusive as possible and cover you irrespective of what your circumstances are. So this means that properties which have previously flooded, or are at risk of flooding, can be covered. Click on the logo below for more information


Web map to show risk of flooding click here


This Is An Interview From Radio 4, You And Yours Programme -



Flood Insurance Products March 2011 - a selection of flood defence products - Click on logo below for more information


The Environment Agency has Flood symbols and messages. They have changed theirr flood symbols and updated their warning messages so they are easier to understand, provide more local information and give clearer guidance about what people need to do. Click on the image below for more information

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Articles and Information on Flood Damaged Property

Government flood bill should include landlords, says RLA - December 2013

Flood Insurance deal reached last month - August 2013

German insurance company pays the price for recent flooding - June 2013

Floods put UK property at risk - November 2012

Floods and more flooding in Britain - June 2012

Are you looking for insurance in a flood area? - May 2012

Will all this rain cause flooding? - April 2012

Flood Risk Warning from HomeLet Landlord and Tenant Insurance - March 2012

Insurance companies offering flood insurance cover - February 2012

Insurance bill for October 2011 floods in Ireland reaches €127 million - February 2012

Flood Insurance - Questions and Answers - November 2011

More flooding in the South of France kills 3 - November 2011

Flooding causes chaos in Dublin - Ireland - October 2011

Flood Risk Home Insurance - October 2011

Chippen Campden flood letter - October 2011

Flooding in Goole east Yorkshire - August 2011

Flood damaged Property Insurance might soon be needed again - July 2011

Problem property building and contents insurance solved in high risk flood area post code Zone - July 2011

Flooding Memphis as Mississipi River crested 48ft in USA - May 2011

Flood victim testimonials are still flooding in April 2011

A testimonial for flood cover insurance - April 2011

Flood victims in Cumbria may not be able to get insurance cover - March 2011

Insurance premium increases after claim for flooding - January 2011

Flood Victims - January 2011

Mary Dhonau resigns from the National Flood Forum - December 2010

Councillor wants to build houses in flood risk area in Clare County Ireland - December 2010

Drying Flooded Buildings -DCLG December 2010

UK flood damage costs up 200% - November 2010

Double Whammy for Flood Victims - November 2010

UK flood damage costs up 200% - November 2010

Flood Line Action Groups – Help is here - October 2010

Insurance expert helps a lady in Ulverston, Cumbria - October 2010

Policy holders face the backlash of the floods - June 2010

ABI calls for flood defences spending to help boost economy - November 2008



Below is a selection of news items taken from


More flooding in the South of France kills 3

Following the G20 Summit in Cannes the weather turned bad and three deaths have so far been reported in the neighbouring département the Var. Apparently a homeless German was found dead on Saturday 5th November and a couple aged in their 70s from Bagnols-en-Forêt were found dead in the early hours of Sunday 6th November. - Find out more on this Here November 2011 | Back to top

Double Whammy for Flood Victims

On the 17th November 2010, the day that Cornwall has experienced severe flooding. The BBC News websit is running a story this evening "Cornwall floods force evacuation of more than 100 homes" More than 100 homes have been evacuated after floods and gale-force winds caused disruption across Cornwall. People were trapped in their cars and homes by the rising floodwaters, which reached up to 6ft (2m) deep in places. St Blazey, St Austell, Mevagissey and Lostwithiel were the worst hit areas. The Met Office said a further 10mm (0.4in) of rain could fall overnight. Neil an insurance brooker who specialises in assisting those with properties in flood areas has sent this information: More on this Here November 2010 Back to top

More flooding in the south of France

Heavy rain has hit the south of France again this weekend. Today 1st November, Nice Matin reported that 50 inhabitants at Villeneuve-Loubet were evacuated because of the risk of flooding. Part of Cagnes sur Mer was also affected. The A8 exit for Villeneuve Loubet (47) has had to be closed More on this Here November 2010 Back to top

Flood Line Action Groups – Help is here

Fear not if the rising cost of flood insurance is giving you sleepless nights. The flooded area / flood affected insurance Expert Neil Cook of Equity and General Insurance Services is able to provide affordable premiums for property or business owners in the worst affected areas of the country and also in the flood plains. They obtain cover where others fail and substantial savings over existing insurers with cover provided by Lloyds of London. No matter how large your claim was or what your personal circumstances are, including those with criminal convictions, they promise to help you and include an unconditional guarantee to pass the policy onto any future buyer of the property. More information Here October 2010 Back to top

Insurance expert helps a lady in Ulverston, Cumbria

Insurance expert Neil Cook helped a lady in Ulverston who had been flooded. She lives in a typical terraced house and the brokers were able to arrange to insure her for less than £500. She mentioned that her neighbour had received a renewal quotation of £8,000 for a similar sized house and another neighbour £18,000. How can a normal family possibly afford to pay such a vast percentage of their annual income in insurance? More information Here October 2010 Back to top

Insurance advice following storms in France this week

LA tempête Xynthia, which ripped through south west France during Saturday 27th February and Sunday morning 28th February 2010, has been declared a catastrophe naturelle by Prime Minister François Fillon. This means insurance companies are obliged to take into account flood damage and the government will publish details of the areas covered in the next 48 hours. Property insurance company Intasure have asked owners of properties damaged by the storm winds that hit south west France to contact them so that any claims can be processed. Intasure are asking policy holders to take photographs of the damage that has been caused and to get written quotes for the work required. More information Here March 2010 Back to top

Insuring homes at risk from flooding

Following on from the recent severe flooding in the Lake District, there was an interesting article in a a UK newspaper on the 23rd November entitled "In need of cover insuring homes at risk".More than half a million homes have been built in areas regarded as being at serious risk of flooding and up to a million more could be constructed by 2020. More Information here November 2009 Back to top

Flood affected Property in the UK

The ABI and British Government have an agreement to ensure that flood insurance remains widely available. BIBA has welcomed this but believes that there are still properties that will be excluded from this agreement and will need specialist advice from an insurance broker. More information August 2008 Back to top

Flash Floods Hit Ireland on Saturday 9th August 2008

The equivalent to a month's average rain fell in parts of Dublin. Met Éireann said that in the 24-hour period from midnight Friday until midnight Saturday 76.2mm of rain was recorded at Dublin Airport, a new record for August. The previous record was 73mm which was noted in 1986 associated with Hurricane Charlie. In the north of the capital Drumcondra and Swords and in the south of the city Firhouse and Knocklyon had severe flooding. More information August 2008 Back to top

Agreement on Flood Insurance is good news for customers - ABI - Government statement

The ABI (Association of British Insurers) and the Government have reached agreement that ensures flood insurance remains widely available now and in the long term. The Government and the Association of British Insurers (ABI) agree on the importance of managing the risk from flooding to people and property. As the floods of 2007 demonstrated, flooding can have devastating impacts: it can cause loss of life, displace thousands of people, and can cause major economic and social dislocation.More information July 2008 Back to top

Public demand more action to reduce flooding - UK opinion research published by the ABI- Association of British Insurers

One year on from 2007's devastating floods three-quarters of people think that not enough is being done to tackle flooding, according to opinion research published today by the ABI (Association of British Insurers). Improving drainage is seen as the number one priority. There is also widespread support for the Government's target of three million new homes by 2020 to be reduced if it would lead to more homes at risk of flooding. More information June 2008 Back to top

Flash floods hit west of England 29th May 2008 - The ABI have issued advice

Half of Somerset was hit by flooding on Thursday night after a bout of torrential storms. Fire crews tackling flood emergencies in Somerset said it was their "busiest night in living history.The ABI (Association of British Insurers) has issued advice to property owners who have suffered flood damage following flash floods in the West Country. More information May 2008 Back to top

ABI (Association of British Insurers): Flood resilience kitemark needed for new homes

ABI : Flood resilience kitemark needed for new homes Monday, 07 April 2008 A new flood resilience kitemark is needed for housing developments planned in the floodplain, the ABI (Association of British Insurers) said today. The voluntary kitemark would set minimum construction standards, such as the use of water-resistant building materials. Speaking today at the EXPO CO2 conference in Barcelona.More information April 2008 Back to top

Unsaleable, Uninsurable, Uninhabitable – Tougher Planning Controls Needed for New Homes says the ABI

Tougher planning controls are needed if flood insurance is to remain widely available for new homes the ABI (Association of British Insurers) said today (14 February). Of the three million new homes the Government plan to be built by 2010, a third will be on the floodplain. More information here February 2008 Back to top

Insurance companies face large claims following the June floods in Britain

Britains two major insurance companies Norwich Union owned by Aviva which is the world's fifth-largest insurance group and the biggest in the UK and Royal & SunAlliance are waiiting on claims in excess of £230 million. The Royal & SunAlliance stated in their press release of the 5th July 2007 "Royal & SunAlliance Insurance Group plc announces an estimate of £55m, net of reinsurance recoveries, for claims arising from the recent flood event in the North of England. More information here July 2007 Back to top

Insurers dealing with claims as quickly as possible says the ABI

Insurance companies are dealing with policyholders who have been hit by the latest floods as quickly as possible the ABI (Association of British Insurers) said on the 23rd July 2007 in their press relase. Insurers already have emergency plans in place to deal with these floods, and will pull out all the stops to help policyholders. Their main priority is to arrange emergency repairs, get people into temporary accommodation where needed and visit properties as soon as they can.More information here July 2007 Back to top

Build new homes for the future not to flood says the ABI - UK Property

New housing developments must be built away from flood - prone areas to ensure that flood insurance continues to remain widely available and competitively priced, the ABI (Association of British Insurers) said today.

Responding to today’s publication of the Government Housing Green Paper, Nick Starling, the ABI’s Director of General Insurance and Health, said: “We need new homes. But they must be built in the right place and to the right design. The devastation caused by the recent floods shows the importance of planning for the future. “We need a fresh approach to house building to take account of the increasing risk of flooding and to ensure sustainable communities. New homes should not be built in high-risk areas of the floodplain. They must be planned and designed with flooding in mind, with greater use of flood-resilient building materials.” The ABI is the trade association for Britain’s insurance industry. Its nearly 400 member companies provide over 91% of the insurance business in the UK. It represents insurance companies to the Government, and to the regulatory and other agencies, and is an influential voice on public policy and financial services issues. ABI member companies hold up to a sixth of all investments traded on the London Stock Exchange, on behalf of millions of pensioners and savers. July 2007 Back to top

Are you prepared for a wet and windy winter? Flooding in the summer in the UK?

In October 2005 thousands of people in northern England, Wales and Scotland faced a miserable weekend mopping up their homes after severe flooding. Those people are unlikely to be the last victims of water damage. In a report published on 12th October 2005 by the Environment Agency (EA) that nearly 5 million people in England and a further 2 million in Wales live in areas at risk from flooding. Two fifths of those affected have no idea they are vulnerable the Government agency has warned.

The Met Office has predicted that the 2005/06 winter will be the coldest since 1995/96.If you have a rental property that you let out, is it insured fully? CLICK HERE for more information. October 2005 Back to top

Flooding Dangers being Ignored -UK

The chief excecutive of the Environment Agency, Lady young says some local authorities keep ignoring the agency's advice by granting planning permission for developments on flood plains.Properties are being built in areas that are at a serious risk of flooding.

Lady Young is demanding tougher powers to deal with Councils and will name and shame the worst offenfers. She says "What surprises me is that having consulted the flood risk experts at the agency, local authorities are prepared to put people's property and lives at risk by allowing development in the flood plain".

It has been estimated that as many as 5 million people in 2 million homes are in areas at risk of flood.October 2005 Back to top





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