Letters - Flood insurance

Trying to sort out renewal of my home insurance I’ve had a quote higher than ever before - just over £800 for this year.

The insurer - Home Protect - says “your policy has been invited on a scheme which uses the latest flood mapping information and this has highlighted that your home may be at risk of flooding. As a result the excess for Flooding has been increased to £10,000 & Subsidence, Landslip & Heave to £5,000”.

The mention of subsidence, landslip & heave refers to a claim made in 2004 relating to a drain crash.

I would like to know if any of our neighbours have had their insurance premiums increased in light of the ‘latest flood mapping information’

many thanks

Gail Rooke

Any one else having this issue with their insurance? Please leave a comment below.

31 January 2014 | editorial


Unless you live directly on the river I would imagine that insurance companies are making it up as they go along to try and exact as much money as they can from people living in a so called “flood plain”.

Try any comparison website, type in all your details, and then see how much cheaper you might get it from others, I now do it each year for car, holiday and household insurance and then pick the best deal to suit, I have saved a fortune these last 5 years by switching each year.

alsie42 at 31 January 2014 9:35 PM

If your property has history of a previous subsidence claim (as ours has, due to a drains problem, long before we moved there) you may unfortunately find that you are “locked in” and cannot change insurers. Good luck!

Ed at 13 February 2014 9:02 PM

A flood risk for St Margaret’s may be found at http://tinyurl.com/qc85tuu. Much of it is in Flood Zone 2 [> .1 percent risk p.a.] and some is in Zone 3 [> 1 percent risk p.a.]. These risk estimates will be raised after this year’s floods so the streets of St Margaret’s village, for example, now in Zone 2, may be regarded as being in Zone 3. Rightly or wrongly, only future floods will decide.

Christopher Squire at 18 February 2014 9:49 AM

Check out Santander home insurance - I’ve recently been informed that they may take a more enlightened view, disregarding a subsidence claims history over 5 years old.

Ed at 19 February 2014 8:17 PM

A friend, Paul Grover, of Swanage Insurance Brokers, helped us when we suddenly had a huge rise in premium, by finding a Zurich policy that gave us a tradeoff between improved home security (better locks on back doors) and the flood risk. This meant we only had a small rise in premium last year instead of a huge one. I agree switching insurers usually results in lower premiums but I think the number of insurers prepared to cover homes in flood risk areas is shrinking.

Hilary Thomson at 1 September 2014 11:50 AM

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