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

About Flood Risk Insurance

Direct Debit

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

Direct Debit

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


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.


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.


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


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.



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

Relaxed Person Making Claim