Flood Risk Insurance
Flood Risk Insurance
Get a quote online or by phone for cover for properties that are a flood risk or have been flooded in the past.
0344 892 1750
Weekdays 8.30am - 5.30pm
Flood Risk Insurance
Get a quote online or by phone for cover for properties that are a flood risk or have been flooded in the past.
0344 892 1750
Weekdays 8.30am - 5.30pm
About Flood Risk Insurance
Specialist property insurance team
If you have any questions about our policy or if you need to make a change, our friendly customer service team is available Monday to Friday, 9am to 5:30pm
Dedicated claims team
Our friendly and helpful claims team are available 5 days a week, 8:30am - 5:30pm
Spread your flood risk insurance cost
You can pay for your policy via monthly direct debit to manage the cost
Theft cover for flood risk properties
You will be covered for theft as long as there is evidence of forcible entry or exit
Features of Flood Risk Insurance
Standard cover
Alternative accommodation cover
If your home becomes uninhabitable and the claim for damage is covered, you’ll have cover in place towards the cost of staying somewhere else.
Contents cover for flood risk properties
We will cover your general contents as standard and if you want any specific valuables added on to the policy just let us know so we can make sure they are included.
Accidental damage cover
As part of your cover, accidental damage for fixed glass, sanitary fixtures and fittings and electrical equipment is included as standard.
Home emergency cover
Our flood risk cover through your specialist home insurance policy gives you the option to add a 24-hour contact number for home emergencies, so you can call and have someone carry out repairs or secure the property straightaway. This a summary of the key features of the policy. For details of the terms and conditions applicable, please refer to the Insurance Product Information Document and policy wording, which are available during the quotation process.
Flood Risk Insurance FAQs
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What excess do I have to pay on this policy?
What excess do I have to pay on this policy?
You can choose to add a voluntary excess from £50 to £450. If you go for the higher amount, this will reduce your premium. Certain types of constructions, including properties at risk of flooding, have a higher excess - such as flat-roofed properties. For more information speak to one of our sales advisors on 0344 736 0088.
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Can Towergate arrange immediate cover?
Can Towergate arrange immediate cover?
This depends on your circumstances and the type of property you want to insure. The quickest way to find out is to speak to one of our advisors on 0344 892 1750.
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What do I do if I need to cancel my cover?
What do I do if I need to cancel my cover?
Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease. Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries, please don't hesitate to contact the customer services team on 0344 892 1750.
0344 892 1750
Contact info – Renew
0344 892 1750
Contact info - Claim
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Do I have to keep my flood risk property maintained?
Do I have to keep my flood risk property maintained?
You must take all reasonable steps to prevent accidents, loss or damage and must maintain the property insured in sound condition and good repair. If you have a flat roof, a professional builder or roofer will need to visit your property every eight years to inspect it and any necessary repairs should be carried out.
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How can I pay for my premium?
How can I pay for my premium?
You can pay by credit card, debit card or monthly direct debit.
How do I make a claim?
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
Find your insurance documents
and make sure you have all your information at hand, including your policy number
Call the claims team
on 0345 074 4760 and explain exactly what happened
Provide photos if requested
to help us understand what happened as quickly as we can
