Those who live in high flood risk areas or those who have experienced flooding in the past can find it more difficult than others to access affordable home insurance. There are a range of organisations looking to help those living at high flood risk access affordable insurance.
The National Flood Forum provides information on obtaining household insurance that includes cover for flooding.
The Association of British Insurers also provides guidance on obtaining household insurance.
Flood Re is a re-insurance scheme that makes flood cover more widely available and affordable as part of your home insurance. Flood Re helps households at the highest risk of flooding.
Every insurer that offers home insurance in the UK must pay into the Flood Re Scheme. This Levy raises £135m every year that we use to cover the flood risks in home insurance policies.
