Floodplains

A question about : Floodplains

Hi - Does anyone know of a good insurance provider that will insure properties which have been flooded. Our house flooded six years ago in the floods which hit North Yorkshire (property previously flooded 50 years ago). We are paying an arm and a leg for buildings and contents insurance. I've tried confused.com and no-one would even quote us any advice greatfully received - thanks

Best answers:

• I was living on a floodplain up until a couple of months ago, when I decided to sell, cause I've had enough worrying about the tides and the inability of the local council to keep the drains clear etc. I was insured with NFU mutual https://www.nfumutual.co.uk/, and there was not even an excess in the policy for flooding. However, I was never flooded while there. The building was a grade II listed building and a leashold (as the original building was split into five). Their building insurance was very competitive and could not be matched by a local insurance broker. My last yearly premium was about £250. Call your local office, they might be able to help. Talking from personal experience I was very happy with their service and the friendly staff. You don't end up calling a call centre having to repeat the same things millions of times.
  Contents wise, they used to be a bit pricey, but they seem to be a bit more competitive now.
  P.S Let me know if you get any luck with them.
• Thanks - for this will try the NFU - we have never claimed on our insurance and our insurance renewal quote this year is just short of Ј600!
• Hi - just thought you'd like to know that the NFU refused to quote - thanks anyway
• towergate might be worth a go - they tend to do 'non standard' type risks:
  https://www.towergatelifestyle.co.uk/...00&stc=3037305
• I think you should approach a specialist general insurance broker. I don't know which area you live in but I know one that could look at your case over the phone, based in west yorks. Please let me know if you want contact details.
  MM
• Would your local council be able to help? There must be other people in your area in the same position as you.
• Thanks very much - contact details would be really appreciated.
• I have tried all the major insurers none of them are willing to quote. We live near the River Ouse which is tidal. At the time of the flood the river was 17 ft above normal levels and it overtopped on our village - however the Environment Agency are doing major flood defence work which should protect our area from future flooding. As soon as future insurers find out about the 2000 flood they don't want to know. Maybe it is time to contact the local MP! Thanks again
• Have you tried Norwich Union? They make a big play about how they commisioned their own digital terrain mapping system and had an airplane overfly the whole of the UK using side scan radar to generate highly accurate maps.
  They also collated river flow data and overlaid this on the terrain map to produce a highly accurate model to full postcode level.
  The Environment Agency maps are a blunt instrument by comparison. They may indicate the whole area will be flooded but NU claim to be able to narrow it to individual properties.
  https://www.norwichunion.com/home-and-dry/index.htm