Flood Insurance
Who Needs Flood Insurance?
Why do you need Flood Insurance?
What Does Flood Insurance Cover You For?
Here’s an overview of what your policy can protect you against, although your personalised policy might look different depending on your selections…
What’s covered
-
Buildings – the cost of repairing, replacing or rebuilding your home up to an agreed sum (including temporary accommodation costs)
-
Contents – the cost of repairing or replacing the contents of your home or removal of your contents to other premises.
-
Valuables & Possessions – the cost of repairing or replacing your valuables and possessions that are lost or damaged even away from home.
-
Accidental damage to buildings and/or contents
-
Domestic freezer cover – the cost of replacing food in your fridge or freezer if it stops working
-
Pedal cycles – the cost of repairing or replacing pedal cycles following theft or accidental damage
-
Legal Liability to the public – your liability as a private individual and as owner or occupier of the home for bodily injury or property damage caused to another person or property
-
Accidents to domestic staff – your liability for bodily injury to your domestic staff
-
Money – theft or accidental loss of money
-
Bank cards – any amounts that you become legally liable to pay as a result of unauthorised use following the loss or theft of your card
-
The loss or damage to outdoor structures like pools, drives, gates, fences and hedges
What’s Not covered
-
Wear and tear or any other gradually operating cause (for example, damp formed over a period of time due to blocked or poorly maintained guttering or the mechanical or electrical failure of a television)
-
The cost of replacing undamaged or remaining items or parts of the buildings which form part of a pair, set or suite following the loss of or damage to the matching item(s)
-
Motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories
-
Any property held or used for business purposes
-
Existing and deliberate damage occurring before the beginning of the period of insurance or caused deliberately by you
-
Any risk where the losses are cyber-related, arising from either malicious acts (e.g. cyber-attack, infection of an IT System with malicious code) or nonmalicious acts (e.g. loss of data, accidental acts or omissions) involving either tangible or intangible assets
-
Damage caused by domestic pets
-
Infectious or contagious disease
Flood Insurance
FAQS
-
Flood insurance can cost more than regular home insurance because your insurer is taking on a higher level of risk. But that doesn’t mean your insurance can’t be just right for you, including all of the aspects of coverage you need to feel protected. Get a clear and comprehensive quote today here…
-
When you choose your home insurance, you must tell your insurer that you are in a flood risk area. If you don’t, your policy may not cover you in the event of a flood, and you won’t receive any kind of compensation or financial support for other aspects of your home because your policy would be invalid.
-
If your home has experienced flooding in the past, either under your ownership or before, it’s likely you’re located in a flood risk area. You can also get a clearer picture by consulting a solicitor, local council or reviewing property records to determine if your property is in a flood risk area and the level of that risk.
Cristal Business Centre, 47 Knightsdale Road, Ipswich, Suffolk, IP1 4JJ
Home Cover
Landlord Cover
Unoccupied Cover
Brokers
Orwell Insurance Services Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register
(https://register.fca.org.uk/s/) under reference 311566