How does Flood Re work?
Flood Re which went live on the 4th of April 2016, allows us, the insurer, to pass the flood risk part of your home insurance onto Flood Re. It means home insurance will be more widely available for the households at highest risk of flooding. It’s estimated that around 350,000 high flood risk households would struggle to afford flood insurance without a scheme like Flood Re.
What Flood Re means for Aviva customers
The Flood Re scheme means that home insurance should become much more available to high risk households. You won’t have to pay anything directly to Flood Re – we’ll deal with that for you. We’ll continue to be responsible for setting your premiums, after taking into account all the things we already look at (like the risks of fire, theft, or subsidence).
If you live in a property that is at the highest risk of flooding, the part of your home insurance that covers you against flooding may be passed to the Flood Re scheme going forward. All this will be happening automatically - you don’t need to do anything. We will confirm in your policy schedule if this applies to you.
Further more if you are a customer who currently has a high flood excess applied to your policy this will be removed and replaced with your standard policy excess.
How to make a claim
There is no change to the claims process as a result of Flood Re. Aviva will continue to handle any claims on your policy whether your policy is reinsured to the Flood Re scheme or not.
Our claims helpline is open 24 hours a day – just give us a call on 0345 030 6945. For our joint protection, telephone calls may be recorded and/or monitored.
The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles.
Alternatively, you can make a claim online using our claims form.
Find out more about Flood Re.