How to buy flood insurance in time for winter

YOU cannot help but notice the change in temperature in the days and nights as September marches on and with thoughts of winter come thoughts of rain and whether you need to have flood insurance in place.

The only reasons you need to have flood insurance in place are:

1: You have flooded before and have a claims history

2: You live in an Environmental Agency at risk postcode (and insurers will automatically treat you as a flood risk, reducing your chance of getting cheap insurance.

3: You think you are at risk of flooding and want to pay a premium for additional coverage in the event of a flood.

So if you do not fit into any of the above boxes, there is no need to read on, simply go and buy standard property insurance from www.thepropertyinsurer.co.uk.

If you do fit into these criteria then you will need specialist help from a broker or insurer that knows all about flooding. If you go to a big name telly advertising broker or price comparison site then you will likely be wasting your time as they do not really want this sort of specialist enquiry ? the risk is too high and they cannot cope so they either refuse to cover or whack up the price to cover almost any eventuality. I?ve heard stories of excess requirements more than ?20,000?that sounds a bit steep.

The best thing to do is go to The Property Insurer and click on the flood risk insurance button. You?ll be able to read some interesting and hopefully helpful advice before hitting the get a quote button.

That takes you to a short form that you need to fill in. It takes around 90seconds ? two minutes to complete. There is nothing tricky in there to catch you out and when you send it off, you will receive back three quotes from three of the best specialist flood insurance providers in the UK.

Be prepared that some of them may call you to ask additional questions. That is normal and the good thing is they are calling you. The reason they ask additional questions is to determine the real risk and then provide you with the right cover you need at a price that is realistic. That sounds like a good trade off to me.

Then you can compare the quotes you receive and buy the one that best suits your needs and budget. This is the way to compare price for flood insurance simply, easily and in less than two minutes.

Jason McClean

The Property Insurer

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Published Date: 21st September 2012
Category: General

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Source: http://www.thepropertyinsurer.co.uk/blog/general/buy-flood-insurance-time-winter/

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