Whatever the weather, we've got your back
Our homes are our happy place, and we know protecting them is important to you. Below you’ll find everything you need to know about flood damage and our home insurance policies to help you get the peace of mind you deserve.
To help you understand your policy a little better, we’ve made a flood glossary with a few terms you might come across and what they mean.
What to do if your house floods, and how you can claim
Dealing with flooding in your home is a stressful and worrying time, especially if it was unexpected.
But you’re not alone. If your house has flooded, here’s what to do.
If it’s safe
Turn off the electricity and water in your home. You should also pack any items you need, including your insurance documents.
Check your excess and any optional extras you have, too.
Read your documents
If you have home insurance with us, head to MyAccount to see your documents. In these, you can find out your excess and what you're covered for.
Collect your evidence
Get any photos, receipts and documents ready.
Make your claim
If your house has flooded and you want to make a home insurance claim, head to our make a claim page or log in to MyAccount.
You can also get in touch with us if you have any questions about making a claim.
Learn more about floods
Find out more in our in-depth guide on what to do if your house floods.
Get covered before the flood hits
Choose from three levels of home insurance cover, each with a range of features you can tailor to suit you.
Our Admiral tier
This covers your home's essentials.
Our Admiral Gold tier
Similar to Admiral cover, with some handy added extras.
Our Admiral Platinum tier
Offers our highest level of cover for people who want more from their home insurer.
If you're an existing customer, check MyAccount or your policy book to see what you are and aren’t covered for.
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| Contents cover | Up to £75K |
Up to £100K |
Up to £150K |
| Home Emergency cover | Optional | ||
| Home Emergency Extra cover | Optional | Optional | |
| Family Legal Protection | Optional | Optional | |
| Accidental damage (buildings and contents) | Optional | Some cover | Full cover |
| Bicycle cover (for bikes not listed on your policy) | Up to £350 | Up to £350 | Up to £350 |
| Personal Possessions Cover | Optional | Optional | Up to £2K (as standard - can be increased) |
Am I covered for flood damage?
This depends on your insurance provider and the level of cover you have.
We offer flood cover on all levels of our home insurance. But what you're covered for depends on whether you have Admiral, Gold or Platinum insurance.
What’s included with your policy also depends on whether you have combined home insurance (which is buildings and contents cover), or just one of the two.
What we cover
If you have buildings and contents home insurance with us, we'll cover flood damage for things like:
- structural damage to your home
- permanent fixtures and fittings, like kitchens and bathrooms
- your personal belongings, like furniture, electronics and clothing
What we don’t cover
Some things we don’t cover include:
- gates and fences
- unfinished extensions
- hedges
Check your policy book to see what you are and aren’t covered for.
How do I know if a flood is forecast in my area?
You can check to see if a flood is due in your area by heading to the government website.
Just type in your postcode to see if your home is at flood risk.
Can I get insurance if I live in a high flood risk area?
Getting home insurance in a flood-risk zone can be tricky. Some insurers won’t cover homes that are at risk of flooding, even if there hasn’t been a flood in the area for years.
This might be because you live next to a river or canal that can overflow and has done so in the past.
This doesn’t mean it’s impossible to insure your home if it's in a flood risk area, but the cost of your insurance will probably be higher.
Flood Re has a list of insurers who cover flood zone houses if you’re finding it hard to get insurance.
What is Flood Re – Build Back Better?
Flood Re is an agreement between the government and UK home insurers. It aims to make insurance more affordable in flood-prone areas.
Commercial properties, buy-to-let homes and static caravans aren't eligible for the Flood Re scheme.
Our Flood Re guide explains this scheme in detail if you want to learn more.
Flood Re and Build Back Better
Flood Re’s Build Back Better scheme aims to help people prevent and recover from flooding.
If your policy has Build Back Better, you’ll find it in your policy documents in MyAccount. Otherwise, you will have received a letter letting you know about it.
If you’re not sure whether your home policy comes with this scheme, get in touch with us.
You can read more about the Build Back Better scheme on the Build Back Better Flood Re webpage.
How to flood-proof your home
If you live in a flood zone or your area has had a flood alert, there are some things you can do to minimise the damage.
Flood insurance for landlords
Check your policy book to see what’s covered by your landlord policy or head to our landlord insurance page.
Landlords can’t use Flood Re or the Build Back Better scheme for any properties they rent out.
Our partnership with the
National Trust
More flood resources
Get more help and advice on what to do if your home floods or how to better prepare for one.
What to do after a flood
Hit by a flood? We're here to help you figure out the next steps.
The steps to takeYour questions answered
Need more? We’ve got you covered.
How will you decide if my home needs to be covered by the Flood Re scheme?
Different insurers have their own view of what a flood risk is. This will depend on what type of cover they offer and at what price.
If we can’t cover your home, we’ll direct you to the BIBAs flood directory.
How do you know my home is at risk of flooding?
We use detailed flood information to help us work out how likely it is that your home will flood.
We look at several factors, including how near your home is to a watercourse, like a river or canal.
How can I use the Build Back Better scheme?
Not everyone will be eligible for Build Back Better - and it doesn’t always depend on your Flood Re eligibility.
If your policy benefits from the Build Back Better scheme and you make a flood claim with us that meets our criteria, we’ll:
- repair the damage
- give you the option to add things to your home to help stop flooding from happening
Get in touch with us if you’d like to learn more about Flood Re or the Build Back Better scheme. Or, you can read more on the Build Back Better Flood Re webpage.