Flood Insurance

Cover for homes at risk of flooding across the UK

Floods can cause massive destruction to homes and disruption of day-to-day life - but having the right cover in place could make the situation a bit easier to deal with.

A new Government scheme could help you save money...

Do you live in an area at high risk of flooding, or has your property been affected by flood?

If the answers are yes, then you're probably already familiar with the difficult task of finding home insurance or facing high premiums.

The good news is, thanks to a new home insurance scheme called Flood Re, we're now able to quote for your area.

Flood Re explained

It's an agreement between the Government and UK insurers, including Admiral, which will allow us to offer more affordable insurance for areas most at risk of flooding, so if your home is at risk, we may be able to save you some money.

Read our Flood Re Guide to find out more information about the scheme. If you've been affected by flood and need to make a claim, check our guide to claiming.

Who is eligible for Flood Re?

If you live in a residential property which was built before 2009 then your home could be eligible for the Flood Re scheme.

Unfortunately, not all properties are eligible for the Flood Re scheme, for example those who own commercial properties, buy to let homes or static caravans won't be eligible.

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Flexible cover from Admiral

Choose from three levels of home insurance cover, each with a range of different features that you can tailor to suit you.

Admiral Buildings Insurance covers your home's essentials.

Gold Buildings Insurance is great value, just like Admiral cover, but with some handy added extras.

Admiral Platinum is full-featured buildings insurance for people who want more from their home insurer.

See what's included

 

Admiral

Admiral
Gold

Admiral
Platinum

Contents Cover (up to)

50K

75K

150K

Boiler Emergency

No

Yes

Yes

Home Emergency

Optional

Optional

Yes

Family Legal Protection

Optional

Optional

Yes

Accidental Damage

Optional

Optional

Yes

Pedal Cycles

Optional

Optional

Yes

Personal Possessions

Optional

Optional

Yes

Crammed with features and benefits

Our Platinum combined Buildings and Contents policy comes with these great benefits as standard (A waiting period applies before some cover is activated):

Unlimited buildings cover

The structure of your home - including permanent fixtures and fittings - are covered. Just one of the many benefits you can expect from us, no matter what level of cover you choose (eligibility criteria applies).

Contents cover

Up to £150,000.

24 hour help line

You can can call us at any time of day and night if the worst were to happen

Alternative accommodation

Up to £100,000.

Full Accidental Damage cover

Available on buildings and contents, for accidental damage to personal belongings, fixtures and fittings at home.

Personal Possessions

£2,000 of Personal Possessions cover

Home Emergency cover

Including cover for your boiler worth £29.95. Up to £500 for a tradesman to repair your hot water, central heating and plumbing in an emergency. Cover for home security and pest infestation

Family Legal Protection

Worth £12.95. Up to £100,000 legal costs cover for property or employment disputes and personal injury claims as long as there are reasonable prospects of your claim being successful

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Your questions answered

We're sure you'll love our great insurance products but maybe you have a few questions. You can find answers in this section.

How do you know my home is at risk of flooding?

We use detailed flood models to help us determine the likelihood that a property will flood. The models take a number of factors into account, including proximity to a water course and the lie of the land (topography).

How will you decide my home needs to be covered by the Flood Re scheme?

Each insurer has a different view of flood risk and this will be reflected in their decision to offer cover and what price to charge. If we feel we can't offer you a competitive quote we'll transfer the flood element of your cover into the Flood Re scheme. If your home floods, we'll deal with your claim as normal. However, we can recover the cost of the claim from the Flood Re scheme. You won't have any direct involvement with Flood Re.

Does my council tax band have anything to do with it?

When we transfer the flood risk of a property into the Flood Re scheme we have to pay a premium to Flood Re. This premium is based on the council tax band of your property. It's not the same amount that you pay your local council.

Why aren't homes built after 1st January 2009 eligible for the scheme?

This is in line with the rules of the scheme Flood Re replaces. Properties built from 2009 onwards have to meet new planning regulations which require adequate flood prevention measures to be in place.

Who will pay my claim?

Your claim will be handled by us in exactly the same way as all policyholders. We will assess your claim and make any appropriate payments; you won't have any direct contact with Flood Re.

Is the level of flood cover from Flood Re the same as Admiral?

Yes, if you buy insurance from us, we're your insurer and handle any claims.

Will I need to disclose this as a special term on my policy?

No, being part of Flood Re is not regarded as a special term and will not adversely impact on your ability to find insurance elsewhere.

What if I'm unhappy with how my claim has been dealt with?

If you're not happy with the way in which your claim has been handled you just need to follow our normal complaints procedure.

I've heard insurers have to pay a levy, what does this mean?

In order to ensure that there is enough money available to pay all the flood claims in the Flood Re scheme, the insurance industry has to pay a levy (fee) to Flood Re. The amount of money each insurer has to pay depends on their market share.

I have a holiday home, is it eligible?

Yes, as long as you pay council tax however, commercially let properties paying business rates are not eligible.

I have a property I let out, is it eligible?

No, landlords who let properties to others and do not live there themselves cannot benefit from the scheme.

My neighbour is insured with a different insurer and has not been put into the Flood Re scheme, why has my home been put in Flood Re?

Each insurer uses their own data and methods of calculating insurance premiums and have a different view of the flood risk for your property. If one insurer believes the risk is low, they may be able to offer you an affordable premium without utilising the Flood Re scheme.

Is it going to affect the value of my home?

Being part of Flood Re shouldn't affect the value of your home. The fact your home is part of Flood Re is a reflection of an insurer's risk assessment. If you moved to a different insurer, their view might be different and they may offer you an affordable quote without utilising Flood Re.

Am I expected to do anything to reduce the flood risk?

No, but our website contains links to the Flood Re website where you can find details on how you can reduce the risk of flood damage to your property.

I thought the Government paid for flood damage?

The Government don't pay to repair the damage to your home or your contents. Sometimes the Government might offer grants following a flood to help cover the cost of installing or repairing your home in a way to reduce the chances or cost of future flood damage, but this doesn't cover the cost of replacing all your belongings.

Do I pay a different excess?

Each insurer will set their own excess. The Flood Re scheme aims to prevent high excesses being applied. Most insurers will apply an excess of £250 for properties that are part of the Flood Re scheme.

We don't have Council Tax bands in Northern Ireland.

The rates payable in Northern Ireland have been calibrated against Council Tax bands used elsewhere in the UK. You'll therefore benefit from the Flood Re scheme in the same way as the rest of the UK.

Will you cover flood risks across the whole of the UK?

We take a number of factors into account when deciding whether we can insure your property. Thus we are unable to offer a quote for every property. Not all properties are eligible for the Flood Re scheme and therefore we may not be able to offer a quote.

What if my property is leasehold?

Leasehold properties are eligible for the Flood Re scheme subject to you and your property meeting the other eligibility criteria.

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Looking for something different?

If you own your home you may also need to insure your building. Not to worry, Admiral offers great value and flexible options across all our Home Insurance products.

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