IN this modern age when everything can be bought on the Internet without ever having to speak or interact with another human being, it is still best if you need flood insurance to actually speak with a specialist broker.
This flies in the face of the Internet?s instant gratification and buying culture but when it comes to specialist needs in insurance you simply cannot beat speaking to someone who understands what you need, your particular situation and how to rate the risk correctly.
Because of the specialist nature of flood insurance you really should try to speak to someone who knows their stuff. There are lots of factors that can affect the price and policy coverage for flood insurance, some examples run below:
- Has the property actually ever flooded?
- Have you ever made a property insurance claim?
- What is your postcode?
- Do you live in an elevated position?
- How close is the nearest watercourse?
- Are there any flood defences in the area?
- Have you invested in any personal flood defences?
- Have you ever suffered from subsidence?
It is very difficult for an Internet form or business to capture real and meaningful answers to these questions because there are so many variables and answers. The only way to capture this information is by speaking to someone who knows the risks involved and can react accordingly. ?To be fair, in most cases of flood insurance you will end up speaking to someone on the phone anyway because they will need to clarify details before they can quote a price.
An example of this is someone who lives in a flood postcode can tell the specialist they live in an elevated hill, have never flooded and they think it is unfair to receive a premium. If the specialist insurer agrees they can discount the policy to standard or near standard levels. A computer cannot do this easily or accurately, so the benefit of picking up the phone really is tangible and real, you will feel it in your pocket.
Insurers can delegate authority so that brokers can decide whether to reduce the cost of insurance if there is a compelling reason to do so. This does not happen on standard insurance forms but happens everyday over the phone with specialists.
If you need flood insurance then speak to the UK?s leading provider on the phone and get a quote in minutes that is realistically priced ? call 0800 612 6549 now.
Jason McClean
The Property Insurer
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Published Date: 17th April 2012Category: General
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