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Discussion Starter · #1 ·
Our house was flooded in 2007 during a freak rainstorm which caused havoc across quite a lot of the country and caused a wave to come in through the backdoor and out through the front. After a huge fight with Aviva (which took 2 years), we got 10,000 to cover a new kitchen and some carpets and get the ground floor dried out again. Our home insurance is now 1,100 per year with a 7,000 flooding excess.

Any suggestions on who to try for a quote? The house is at least 300 years old and made of poo and sticks, but does have a conventional roof. I've so far been turned down by Farmers Union, Fresh and Homeprotect, the last two were the only ones to come up on comparison sites.
 

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Towergate Strovers? We have underpinned house insurance with them - I think that they do quite a lot of specialist insurance.

The 'standard' insurers won't touch much that is out of the ordinary. People like Towergate make their money as brokers, finding the best deal for people with challenging houses. The strange thing is, our insurance is with Aviva (through TS) and was actually cheaper than the original quote we had direct from Aviva :)

The other issue is, IIRC, that once someone has agreed to insure a house at risk of subsidence or flood, they have to insure it forever (including future owners) - that makes many of them leery of a commitment like that.

Good luck!
 

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The other issue is, IIRC, that once someone has agreed to insure a house at risk of subsidence or flood, they have to insure it forever (including future owners) - that makes many of them leery of a commitment like that.
I wish that this were true. My mother's house flooded in 2003. It had been insured with Saga for donkey's years. When we sold it in 2009, Saga refused to even offer the new owner insurance (and he was over 50). Nearly caused the sale to fall through. Think he ended up with Halifax.

I've heard good things about Hiscox; they also offer very good, tailored contents cover (useful if you have expensive dive/ photography kit) at non-exorbitant prices. I intend to check them out when our current policy comes up for renewal.
 

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Discussion Starter · #6 ·
Now trying quote rack - they have a section entitled 'challenge us!' and so far have 3 people bidding for our cash.
 
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