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Flood Insurance

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I want to insure the home I live in against flood

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I want to insure my holiday home against flood


  • Compare quotes for properties at risk of flood damage
  • Cover For Properties Previously Flooded
  • See If You Benefit with Flood Re.
  • All types of owner occupied risks covered
  • Get Specialist Flood Insurance Now
  • Low Excess & Realistic Prices‎

Affordable flood insurance

Finding flood insurance may be difficult. Depending on the type of property and – more importantly – just where it is located, many insurers might decline your application for cover or charge an unacceptably high price for the premiums.

Every winter seems to bring its toll of flood affected areas throughout the British Isles and, as insurance companies face ever increasing costs in settling the resulting claims, so premiums inevitably rise – and rise for home owners generally.

As a consequence, house insurance in flood risk areas is becoming more and more of a challenge for many property owners.

That’s why, here at UKinsuranceNET, we’ve decided to do something about it – please read on to discover what that is.

Why may you need specialist flood insurance cover?

Thanks to the vagaries of the British climate, floods may happen at any time – who knows when torrential rain might fall, rivers burst their banks or the sea breach coastal defences.

However carefully you might have scoured the long-range weather forecasts, it is typically impossible to forecast when the next flood might strike – and, even worse, if you have left your home unoccupied whilst you take an extended or long-stay holiday, or it is a holiday home you are trying to insure, of course, you are not going to be there to prevent the flood waters causing even more damage to your house and garden.

The cost of flood insurance – just as any other type of insurance – is calculated according to the risks that your insurer may have to pay out to settle your claim.

If you are asking the question about how much flood insurance costs, therefore, you might start with the fact that after the winter storms of 2016, insurers paid out a total of £1.3 billion in claims, said the Association of British Insurers (ABI) – and £50,000 was paid out on the average domestic flood claim.

Statistics such as this of course affect home flood insurance quotes for every home owner.

Previous insurance claim for flood?

If you are one of those who have had to make a flood claim, you are likely to find that:

  • the premiums on renewal have escalated considerably;

  • the insurer may accept cover but with a very high excess amount;

  • or your current home insurer may even decline further cover.

In response, a joint initiative by the government and insurers has led to the creation of Flood Re, which is effectively a flood re-insurance scheme designed to make specialist flood insurance policies available to homeowners in flood-risk areas, and to drive down the prices of such cover.

Why choose us at UKinsuranceNET?

Recognising the difficulties faced by many home and holiday home owners in securing insurance for flood risk properties, we have now arranged for some of our household policies to include flood cover under the Flood Re scheme.

If you are looking for house insurance with flood cover – whether the property is your main home, a second home or one which you have had to leave unoccupied for some reason – you might want to consult us here at UKinsuranceNET for a competitive quote on the protection you need.

Although Flood Re provides the backing that insurers need to make your insurance available, your policy – and any claim you may need to make – is still managed entirely by your own insurance company and you never need to enter into any contact directly with Flood Re.


75% of all customers receiving an online quote in May 2019 could have obtained a cheaper quote over the phone, based on the information they provided