Flood excess insurance helps cover the cost of your policy’s flood excess, so you’re not left out of pocket after a claim. Whether you’ve been affected by flooding before or live in a high-risk area, we’re here to help protect your everyday.
Flood excess insurance
If your home or business has a high flood excess, we can help reduce the financial impact.
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Cover for high flood excesses
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Available for homes and businesses
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Quick and simple claims process
Specialist flood cover
Designed for properties with high flood excesses.
Residential and commercial
Cover available for homes and businesses.
Fast claims support
We’ll help you get back on your feet quickly.
Trusted expertise
We work with flood insurance specialists to find the right solution.
We’re here…
For every home
Helping you recover quickly and reduce the financial burden.
For every business
Protecting your livelihood when flooding causes disruption.
For every postcode
Covering properties in flood-prone areas with tailored support.
For every season
Giving you peace of mind when the weather turns.
What does flood excess insurance cover?
Flood excess insurance covers the excess you’d normally have to pay when making a flood-related claim on your main home or business insurance policy.
Cover for flood excess payments
Pays out the excess amount on your primary insurance policy after a flood.
Support for high-risk areas
Ideal for properties in flood zones or with a history of flooding.
Residential and commercial options
Available for homeowners, landlords and business owners.
Peace of mind during flood season
Helps reduce financial stress when the unexpected happens.
How do flood excess insurance claims work?
When you need to make a claim, we’ll guide you through the process and get things sorted quickly.
Find your policy documents and have your policy number ready
Call our claims team and explain what happened
Provide any requested documents or photos
We’ll handle the rest
What our customers are saying
Flood excess insurance FAQs
Wondering about something? Don't worry, Everywhen is here to help. We've put together some common questions about flood excess insurance cover to support you every step of the way.
Flood excess insurance is a separate policy that covers the excess you’d need to pay if you make a flood-related claim on your main home or business insurance. For example, if your insurer applies a £5,000 flood excess and you make a claim after a flood, this policy can reimburse that amount – so you’re not left out of pocket.
It’s designed to ease the financial pressure that often comes with living in a flood-prone area or having a history of flood claims. You’ll still need to claim through your main insurer first, but this policy steps in to cover the excess once your claim is accepted.
Insurers often apply higher excesses to properties that are considered at greater risk of flooding. This could be due to:
A history of previous flood claims
Location in a known flood zone
Proximity to rivers, coastlines or low-lying areas
Changes in local flood defences or climate patterns
While this helps insurers manage their risk, it can leave you with a significant bill if you ever need to claim. Flood excess insurance helps bridge that gap.
This cover is available to:
Homeowners – including those in high-risk flood areas
Landlords – protecting rental properties from unexpected costs
Business owners – ensuring continuity after flood-related disruption
It’s suitable whether you’ve experienced flooding before or simply want peace of mind during storm season.
Yes. In fact, flood excess insurance is often most valuable for people who’ve already experienced flooding. We work with specialist providers who understand the risks and can offer cover even if you’ve made previous claims. You’ll just need to provide details of your current insurance policy and the flood excess applied.
The cost depends on several factors, including:
The amount of excess you want to cover
The type and location of your property
Whether it’s a residential or commercial policy
We’ll help you find a policy that fits your needs and budget, with clear pricing and no hidden fees. In many cases, the peace of mind it offers far outweighs the cost.