Recent winters have shown that flood continues to be an issue for the UK. Flood Re has been set up to ensure that insurance against floods continues to be available and affordable to homeowners.

We have worked with many park home customers over the years to support them and restore their park homes after devastating effects of being flooded. Our insurers are supporting the Flood Re scheme to represent the park home owners we insure who are at risk of flooding.

All insurers pay a ‘levy’ into a central fund held by Flood Re.

In addition, insurers can choose to place (cede) the flood risk of your park home insurance policy with Flood Re. For these policies the premium element will be based on your park home’s Council Tax band and the flood excess will be just £250.

The levies and the flood premiums collected by Flood Re will then be used to pay for flood claims on policies sent to them by the insurers.

This makes no difference to the way you buy your park home insurance and any claims will continue to be handled by our award-winning team as before.

If your home is included in the Flood Re scheme, we will contact you ahead of renewal date with details of your amended premium including the excess of £250 for flood.

Your premium could be affected if your property is identified by us as being at risk of flooding.

How have you identified my property at risk of flooding?

Our insurer invested in flood mapping software tools that enables them to look at properties on an individual basis and provide bespoke underwriting.

No, insurers do not all use the same data sources. The information that an insurer uses is commercially sensitive and you may find that insurers will differ in their approach.

It is possible that we can provide you flood cover without the need for Flood Re cover, however if you are having problems obtaining flood cover for your park home, or the costs appear to be excessive, answering the following questions may assist you in finding out, but the best way is contacting us.

Unfortunately not. Whilst all Park Home Insurance companies will provide flood cover, this is only on the risks they are willing to accept, so if you live in an area which has a high risk of flooding and they do not provide Flood Re cover, then it is unlikely you will be able to obtain flood cover. Park Home Assist Insurance Services are one of the first providers of Flood Re cover within the Park Home sector.

No. If we are unable to provide you flood cover in the normal way, and you decide not to opt for the cover provided by Flood Re, or you do not qualify, we may well still be able to insure your park home, but excluding flood damage, although we would not advise you to do so.