Compare Flood Assist Home Insurance Quotes Against The Market

If you live in a property that has previously flooded, or you have received a letter from your mortgage lender warning you about your flood risk postcode, you will already know that mainstream comparison websites are often completely useless. This is exactly why Flood Assist exists.

Based in Northamptonshire, Flood Assist operates as the UK’s only dedicated flood insurance specialist. They are not a direct underwriter; instead, they are a highly specialised, independent broker. Their entire business model is built around helping homeowners, tenants, and small businesses secure comprehensive cover for high-risk properties that high-street banks and automated insurers refuse to touch.

Because they operate as a broker, you can get independent advice and a personalised quotes comparison for specialist, non-standard home insurance from one of our expert advisers below:

What type of home insurance do they provide?

Because Flood Assist is an absolute specialist in water damage and complex risks, their policies are heavily integrated with government-backed schemes to make cover affordable.

Flood Re Integration

Over 90% of Flood Assist’s clients are insured via the Flood Re scheme. This is a joint initiative between the UK Government and the insurance industry designed specifically to make flood cover affordable for homes at the highest risk.

• Capped Excesses: Without Flood Re, a previously flooded home might face a £10,000 excess for flood damage. Through Flood Assist and Flood Re, this excess is typically capped at a standard £250.

• Comprehensive Cover: While the flood aspect is handled via the scheme, the rest of the policy provides standard robust cover for fire, theft, subsidence, and alternative accommodation.

Build Back Better

Over 85% of Flood Assist's clients are enrolled in policies that support the Build Back Better scheme.

• Future-Proofing: If your home is flooded, this scheme allows you to claim up to £10,000 over and above the cost of standard repairs to install flood resilience measures (like self-closing airbricks, non-return valves, or raised electrical sockets) to protect the property against future storms.

Complex & Non-Standard Let Properties

Their expertise extends far beyond standard residential homes. They regularly broker cover for:

• Second homes and holiday lets in coastal or riverside locations.

• Unoccupied homes waiting to be sold or renovated.

• Properties functioning as B&Bs or hosting small home-based businesses.

How Flood Assist calculates premiums

Because you are dealing with difficult risks, Flood Assist does not rely purely on a rigid computer algorithm to spit out a price:

• Human Underwriting: You speak to a small team of experts rather than a massive call centre. They manually present the specific details of your home (e.g., your exact distance from a watercourse and any past claims) to their panel of underwriters.

• Flood Re Subsidies: If your home qualifies for Flood Re (typically properties built before 2009 and in a council tax band), the flood portion of your premium is heavily subsidised and capped based on your council tax band, saving you from astronomical commercial rates.

• Broker Relationships: Because they bring so much specific business to insurers, Flood Assist has negotiated exclusive rates with leading underwriters that standard high-street brokers simply cannot access.

Pros and cons

Here are the pros and cons of using a highly specialised broker like Flood Assist:

Pros:

• Unrivalled Niche Expertise: They do nothing but flood insurance. They understand the jargon, the risks, and the schemes better than almost anyone else in the UK market.

• Build Back Better Champions: Their massive participation in the Build Back Better scheme means a disaster can actually lead to your home being permanently upgraded against future floods.

• Human Service: You deal with empathetic, knowledgeable staff who understand how overwhelming and traumatic a flooded home can be.

• Saves Uninsurable Homes: They provide an absolute lifeline for homeowners who have been told their property is "uninsurable" by mainstream brands.

Cons:

• Not for Standard Homes: If you live in a modern, 3-bedroom semi-detached house on top of a hill with zero flood risk, their highly bespoke service is completely unnecessary, and you will find cheaper automated cover elsewhere.

• Broker Administration: Because they are an intermediary, standard broker fees will generally apply when setting up, adjusting, or cancelling your policy.

• Phone-Led Process: Securing complex cover requires a detailed conversation; you cannot get a fast, 60-second quote online.

Customer reviews

Within the communities heavily affected by UK winter storms and flooding, Flood Assist commands incredible loyalty.

• Customer Sentiment: Reviews consistently highlight the sheer relief of finding a company that doesn't immediately decline their postcode. Customers frequently praise the staff for taking the time to explain how Flood Re works and for dramatically lowering renewal quotes provided by previous insurers.

• Industry Standing: They are widely recognised across the insurance industry as champions for public interest around flooding, working closely with leading underwriters to push for better flood resilience standards.

• Claims Support: Because they understand the devastation of a flood, their team acts as a fierce advocate for you during the claims process, ensuring loss adjusters and drying contractors are deployed as rapidly as possible.

How to get a Flood Assist quote

Because your property requires a tailored approach, the best way to get a quote from Flood Assist is to request a callback via their website or to phone their specialist team directly.

However, if your home is deemed "non-standard" due to flood risk, it is always wise to compare quotes across several specialist brokers to ensure you are getting the most comprehensive wording and the best premium.

At Money Helpdesk, our property experts have access to a massive panel of specialist underwriters. If you are looking to arrange robust cover for your high-risk or previously flooded property, get in touch and we will present you with your best options.