Here is a selection of frequently asked questions about Flood Excess Insurance.
If your question is not answered or you would like some further information, please call our customer services team on 0345 241 0950 or get in touch using our contact form.
Flood Excess Insurance is an insurance policy available to homeowners, landlords or businesses who find themselves with a large flood insurance excess on their property insurance that they wish to protect.
Should the property then suffer flood damage, Flood Excess Insurance will cover the cost of the property insurance flood excess up to a maximum of £50,000.
The insurer for Flood Excess Insurance is Catlin Insurance Company (UK) Ltd. To find out more about Catlin click here xlcatlin.com/insurance
You can contact us by telephone on 0345 241 0950 Monday to Friday between 9am and 5pm (excluding bank holidays). Alternatively you can email us at firstname.lastname@example.org.
If you are a homeowner or landlord, you can purchase a Flood Excess Insurance policy online or via your insurance broker.
If you are a business, you will need to purchase your Flood Excess Insurance policy through your insurance broker. If your insurance broker cannot help you, please contact us.
We offer Flood Excess Insurance to homeowners, landlords and businesses.
If you are a homeowner and you have a home insurance policy with a flood excess you wish to protect, when obtaining an online quote, please select ‘Property I normally reside in’ in answer to the question ‘Is this Flood Excess Insurance for the property you normally reside in or a property you let’.
If you are a landlord, and you have a landlords insurance policy with a flood excess you wish to protect, when obtaining an online quote, please select ‘Property I let’ in answer to the question ‘Is this Flood Excess Insurance for the property you normally reside in or a property you let’
If you are a business, and you have a commercial or business insurance policy with a flood excess you wish to protect, you will need to contact your insurance broker to obtain Flood Excess Insurance cover. If you do not have an insurance broker or they cannot help you, please contact us.
You will be able to purchase a Flood Excess Insurance policy provided the property covered has not flooded more than twice in the last 5 years.
You may cancel this policy within the first 14 days and provided you have not made a claim, you will receive a full refund.
After the 14 day cooling off period, you may cancel this policy at any time and provided you have not made a claim, you will receive a refund of premium proportionate to the amount of time left to run on the policy.
Please refer to the policy wording for the full cancellation terms.
To make a claim under your Flood Excess Insurance policy, please contact;
Knowles Loss Adjusters Ltd
51-52 St. John’s Square
Telephone: 0207 336 8500
Telephone lines are open Monday to Friday 9am to 5pm (excluding bank holidays).
Our Flood Excess Insurance defines as flood as follows;
"Flood" means water from any external source which enters Your property at or below ground level, and does so with an unusual volume or force.
Flood damage by this insurance does not include:
The maximum flood excess you can insure with us is £50,000.
You must insure the full flood excess amount as stated on your underlying home, landlords or commercial insurance policy. You cannot cover part of the flood excess amount.
The following the main exclusions that apply to the Flood Excess Insurance policy and a claim will not be valid if;
Your claim under your primary home/landlords/commercial insurance policy does not fall within its terms and conditions but your primary policy insurer settles your claim on a goodwill or without prejudice basis.
Please refer to the policy wording.
No, Flood Excess Insurance does not cover burst pipes (commonly known as escape of water claims).
If you wish to make a complaint, you can do so at any time by referring the matter to:
Catlin Insurance Company (UK) Ltd.
20 Gracechurch Street, London, EC3V 0BG
Telephone Number: +44 (0) 20 7743 8487
If you remain dissatisfied after the Complaints Manager has considered your complaint, or you have not received a final decision within eight weeks, you can refer your complaint to the Financial Ombudsman Service at:
Exchange Tower, London, E14 9SR
From within the United Kingdom
Telephone Number: 0800 0234 567 (free for people phoning from a "fixed line", for example, a landline at home)
Telephone Number: 0300 1239 123 (free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02)
The Financial Ombudsman Service can look into most complaints from consumers and small businesses. For more information contact them on the above number or address, or view their website: www.financial-ombudsman.org.uk.
There are many different websites and a few apps that allow you to check if your property is at risk of flooding.
Click here to link through to the Environment Agency web site where you will find lots of information on flood risk.
If you have any queries you can contact us using any of the options below.Phone: 0345 241 0950
Contact: Contact Us
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