Flood Risk Property Insurance

We assess every home on an individual basis, depending on the circumstances of a flood and how long ago it occurred, we can also assist people who have suffered flooding in the past.

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If you would prefer, feel free to call an account manager on 01202 937430

Flood risk insurance tailored to you

Flood risk insurance tailored to you

We address requests on a case by case basis. This is especially important when dealing with potential flood risk buildings and can make all the difference to premiums and the level of cover available. For example, you may live in a home that is designated as in a flood risk area, but practically you know that your home stands a very low risk of flooding, i.e. you may live right next to a river that routinely floods, but your home is elevated.

Flood risk insurance tailored to you
Case by case basis

Case by case basis

Are you having trouble getting your home insured at a competitive premium because insurers believe you are in a high risk flood area? Have you suffered from flooding and now find your current insurer isn’t keen to renew your policy? We have a number of bespoke insurance schemes tailored just for these circumstances, all of which deliver exceptional cover at competitive prices. These schemes are generally not available in the open market and we individually underwrite each situation based on individual merits.

Preventative measures

If your home is at risk of flooding, there are a number of actions that you can take to help prevent the worst impact of flooding at your home:

  • Keep up to date with flood warnings. You can now get these texted to your mobile.
  • Buy some sandbags or modern hydrosacks to prevent water entry through doors. Don’t forget to block air bricks as well as doors.
  • Invest in a flood gate doorway. This can be quickly slotted into place and costs between £300 and £500.
  • Purchase a toilet sealer. This is an important anti-flooding device for downstairs toilets where effluent waste may start to come back up.
  • Raise any expensive items off the downstairs floor or take them upstairs if possible.
  • If you would like to know if your home lies in a flood risk area then you can find this on The Environment Agency website.
Preventative measures
Ready to get a quote? Our account managers will be happy to help with any questions you may have. Get a quote

Flood Re Pricing

Flood Re has been established to help those with homes in high risk flood areas to receive affordable home insurance including flood cover with an excess of only £250. So if you’ve been unable to secure flood insurance, you’re paying a sky high premium or your flood excess is enormous, then a policy incorporating Flood Re may well be the answer.

Who qualifies for Flood Re?

There are some conditions for a policy to qualify for Flood Re cover. The main ones are:

  • Policy is held in the name of an individual, a personal representative or trust.
  • Property is in council tax band A-H.
  • Property is for residential purposes.
  • Property has an individual premium.
  • Policyholder or their close family live at the property some of the time. Alternatively, it’s unoccupied.
  • Property was built before 1st January 2009.

How does Flood Re work?

Flood Re is a not-for-profit flood fund owned and managed by the insurance industry. It has been established to allow UK properties located in high risk flood areas to receive affordable home insurance including flood cover.

  • Every UK home insurance policy is taxed which forms a central fund managed by Flood Re.
  • Additionally, an insurer can also choose to pass the flood risk for a policy to Flood Re.
  • They pay a premium to get this cover which also goes towards the central fund.
  • Should the policy then have a valid flood claim the insurer re-claims the flood loss against the Flood Re fund.

We would always recommend that you read policy wordings and key facts documents to fully appreciate the cover and any exclusions and limitations.

What do our customers say?

'A proactive, competitive company – a change from the norm!'

Very good at calling back, professional and diligent. The quote was also super competitive and we will be moving more of our insurance needs across to them in due course. It’s a rarity these days to find a company that does what it promises, and does it well. I would have no hesitation in recommending.

1 2 3 4 5
Mr Rigluth

'Competitive, and hassle free application. Hope any claims are the same.'

The conscientiousness of the agents and their speed of answering queries – and a small discount persuaded me to change insurers. The efficiency of completing paperwork was excellent. Of course there have been no claims as of yet but otherwise a positive experience on a routine matter

1 2 3 4 5
Mr Phillips

'Easy to work with, makes the process a breeze, the team understand my needs'

They are great people to work with, Lisa now deals with all my insurance needs. They make it a breeze and if you need to make an amendment, they got you covered.

1 2 3 4 5
Mr Clarke Brothers Property Ltd

'Listened and made appropriate recommendations'

Spoke with many insurance companies after filling out an online form for quotes. Most asked to fill in the same information again over the phone. This got very tedious after the first five. Highworth listened, made suggestions and offered a very competitive price. An excellent service. Form filling on acceptance.

1 2 3 4 5
Mr Finnen

'Top of the class in every way'

Quick and helpful response followed by quick and efficient service at the highest professional level. Best encounter with an insurance service that I have ever had.

1 2 3 4 5
Mr Rabinowitz

'Refreshingly uncomplicated!'

They answer the phone promptly, are friendly but professional. I didn’t feel I was talking to an automaton and the whole experience was refreshingly straightforward, uncomplicated and stress free. I would definitely recommend Highworth Insurance and will use them again in the future.

1 2 3 4 5
Miss Mctavish

'Exceptional customer service'

I have a thatched cottage and only a handful of insurers will insure contents/buildings on these cottages. I found the gentleman that I dealt with really helpful and friendly and he sorted my insurance out for me. Several other insurers had on line quote forms and never got back to me with a quote. Their loss! I am not sure of the gentleman’s name, but he is a credit to your company.

1 2 3 4 5
Mrs Sayers

'This is how it should be done!'

I called Highworth at the suggestion of my partner. I found Gemma very professional and helpful. The cover options she came back with addressed my requirement perfectly. Once I had forwarded confirmation of NCD the price reduced, great! Fantastic cover, good price, excellent service!!!

1 2 3 4 5
Mr Hewitt

'Attentive and excellent service'

Highworth were recommended by a friend as they are specialists in listed properties and older properties. My contact was excellent and thorough and took time to explain the cover and options available. Once we had determined the key details and the price everything progressed very smoothly indeed.

1 2 3 4 5
Mr Cockrell

'Highworth saved me £700 this year compared to Halifax!'

Excellent service. Helpful, pleasant staff member made the process of re-insuring my house very simple. Highworth resolved an ongoing ‘subsidence’ issue that has cost me thousands of pounds over the last decade!

1 2 3 4 5
Mr Stanton

'Great service and saved lots of money!'

Last year I bought my first house and had a real trouble trying to get house insurance because of ‘historical movement’ on the survey. This year I did a lot more research and came across Highworth insurance. I did an online form and got a call back really quickly from Clarise. Clarise was brilliant. Very professional, helpful and gave excellent customer service. She also managed to save me £150 for the year. Great company to use.

1 2 3 4 5
Mr Woods

'Responsive and helpful throughout my quest for home insurance.'

I was particularly impressed with Jo Wilson who I found extremely conscientious, pro-active, immediately responsive and very helpful. I felt totally supported in what was a tricky situation where I was securing insurance for a house in a flood risk area. I felt that she was very much on my side.

1 2 3 4 5
Mr Kettle

'The right information clearly explained'

Excellent, straightforward information which covered all my needs and requirements. It was nice to get a clear explanation as to the difference between those who advertise they can insure you for £140 or so (which they can’t) and those who actually understand clients.

1 2 3 4 5
Mr Shaw

'Quick solution to a sudden problem'

Having moved home I suddenly needed to sort out my buildings insurance as my existing insurer said my current policy could not continue as I had moved into a leasehold flat. I didn’t realise I had a problem until I notified them of my change of address. The person dealing with my enquiry settled all my problems and issued a policy to cover my needs.

1 2 3 4 5
Mr Charlwood

'Outstanding service from highly skilled professional – exceptional'

Outstanding service from an individual who was focused on finding the best policy for us. I would strongly recommend this company to others and to anyone who wants assurance that their home is well insured.

1 2 3 4 5
Mrs Scott

'Efficient, polite and knowledgeable service!'

From the first phone call to ask questions on the levels of cover available for our house renovations, through to the decision and policy purchase, the help and guidance provided by Daniel was superb. A very efficient, polite and knowledgeable service. Thank you!

1 2 3 4 5
Mr Faux
To discuss your insurance needs with an experienced account manager please call 01202 937430 or apply online to get an instant quote