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 home insurance scheme called Flood Re, we may be able to provide you with a quote in your area.
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.
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.
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.
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.
If you're an existing customer, please check MyAccount or your policy book to see your cover limits.
Admiral | Admiral Gold |
Admiral Platinum |
|
---|---|---|---|
Contents cover (up to) |
£75K |
£100K |
£150K |
Home Emergency cover | Optional | ||
Home Emergency Extra cover | Optional | Optional | |
Family Legal Protection | Optional | Optional | |
Accidental Damage (Contents and Buildings) | Optional | Optional | |
Bicycle Cover |
£350 |
£350 |
£350 |
Personal possessions cover | Optional | Optional |
£2K |
If you have any questions, you'll find the answers in this section.
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).
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.
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.
At least 3.5 million homes in England are at risk of flooding, with one in 12 of these categorised as high risk.
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