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.
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 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 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.
Admiral |
Admiral |
Admiral |
|
---|---|---|---|
Contents Cover (up to) |
£50K | £75K | £150K |
Boiler Emergency |
|||
Home Emergency |
Optional | Optional | |
Family Legal Protection |
Optional | Optional | |
Accidental Damage |
Optional | Optional | |
Pedal Cycles |
Optional | Optional | |
Personal Possessions |
Optional | Optional |
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). |
|
---|---|---|
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 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.
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Useful guides

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 moreLooking 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.