Cover for homes at risk of flooding across the UK
Floods can cause massive destruction to homes and disrupt 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 answer to those questions is yes, you're probably used to struggling to find home insurance or facing high prices.
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 allows us to offer more affordable insurance for areas most at risk of flooding. If your home is at risk, we may be able to save you money.
Who is eligible for Flood Re?
If your home was built before 2009, it could be eligible for the Flood Re scheme.
Unfortunately, not all properties are eligible for the Flood Re scheme. Commercial properties, buy to let homes and static caravans aren't eligible, for example.
Flexible flood insurance cover from Admiral
Choose from three levels of home insurance cover, each with a range of features 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.
Contents Cover (up to)
Family Legal Protection
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 – is covered (eligibility criteria apply).
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
Up to £100,000.
Full Accidental Damage cover
Available on buildings and contents, for accidental damage to personal belongings, fixtures and fittings at home.
£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 if there's a reasonable chance of your claim being successful
Your questions answered
If you have any questions, you'll find the answers in this section.
How do you know my home is at risk of flooding?
We use detailed flood models to help us work out how likely it is that a property will flood. The models look at several factors, including how near it is 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?
We’ll handle your claim in the same way as any other. We'll assess your claim and make any 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?
Being part of Flood Re isn’t considered a special term and won’t stop you getting insurance elsewhere.
What if I'm unhappy with how my claim has been dealt with?
If you're not happy with how your claim has been handled, follow our normal complaints procedure.
I've heard insurers have to pay a levy, what does this mean?
To make sure there’s enough money available to pay the flood claims in the Flood Re scheme, the insurance industry pays a levy (fee) to Flood Re. The amount of money each insurer pays depends on their market share.
I have a holiday home – is it eligible?
Yes, if you pay council tax. Commercially let properties paying business rates aren’t eligible.
I have a property I let out – is it eligible?
No, landlords who let properties to others can’t use 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 to work out their insurance prices and has a different view of the flood risk for your property. If one insurer believes the risk is low, they could offer an affordable price without using the Flood Re scheme.
Is it going to affect the value of my home?
Being part of Flood Re shouldn't affect your home’s value. Your home is part of Flood Re because of your insurer's risk assessment. If you moved to a different insurer, their view might be different, and they could offer an affordable price without using 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 doesn't pay to repair flood damage to your home or contents. Sometimes the Government offers grants after a flood to help cover the cost of making changes to your home that will reduce the chances or cost of future flood damage, but this doesn't cover the cost of replacing your belongings.
Do I pay a different excess?
Each insurer sets their own excess. The Flood Re scheme aims to prevent high excesses. Most insurers set an excess of £250 for properties in the Flood Re scheme.
We don't have Council Tax bands in Northern Ireland – what does this mean for me?
The rates payable in Northern Ireland have been worked out against council tax bands used elsewhere in the UK. This means you can benefit from Flood Re like the rest of the UK.
Will you cover flood risks across the whole of the UK?
We consider several factors when deciding if we can insure your property. Not all properties are eligible for the Flood Re scheme, so we may not be able to offer a quote.
What if my property is leasehold?
A leasehold property can be part of the Flood Re scheme if it meets the eligibility criteria.
What to do if your house floods
At least 3.5 million homes in England are at risk of flooding, with one in 12 of these categorised as high risk.Read more
What is Flood Re and how does it affect home insurance?
Flood Re aims to give homeowners a wider range of home insurance options at a more affordable price.Read more
5 ways extreme weather can affect your home
Britain's weather is unpredictable and this year has seen extremes of cold and hot. But how could this weather affect your home?Read more
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