Anonymised case study
First time buyers were in the process of exchanging contracts to buy the home of their dreams. But they were shocked to discover that due to the age of the property and a previous flood in 2019, a lot of insurers were unable to cover them. After endless searches and dead ends they did find cover, but it excluded flood, and they didn’t want to risk not having that vital cover.
They added that the previous flood damage was due to “guttering not being good enough to cope with the amount of water” and that previous owners had “installed a storm drain” after the incident, so the property was well equipped to cope with any potential future flooding incidents.
They described the search for home insurance as a “really stressful disheartening day” as they only had a short period of time to exchange contracts and secure the house. Due to the updates on the house, they were very confident that they wouldn’t need the flood cover but decided should the worst happen, it’s best to be covered “just in case”.
Thankfully, one of the insurers signposted them to BIBA’s Flood Insurance Directory and after chatting to the team they were transferred straight through to Adrian Flux who, within a few days, came back with full home insurance cover that included their flood risk. Delighted, thanks to BIBA they were able to secure the house of their dreams with peace of mind they were fully covered.
FAQ’s
Yes. BIBA’s Find Insurance Service is built precisely for scenarios like this: when a standard insurer cannot continue cover, FIS matches customers with specialist brokers who can.
The Find Insurance Service is a free helpline and online tool that connects customers with specialist brokers. Whether someone is struggling to get cover due to medical history, flood risk, age, or niche business activities, the FIS helps them find a broker with the right expertise.
It’s quick, simple, and proven to work:
Customers call 0370 950 1790 or visit www.biba.org.uk/find-insurance
The team gathers key details about their insurance needs
They are then matched with a specialist broker who can help
In the past 12 months, BIBA has had over 429,000 enquiries across the whole of its Find Insurance Service, marking the highest number in a year to date. This includes over 9,500 enquiries for Flood Insurance and over 89,000 enquiries for Travel Insurance with medical conditions. By signposting, brokers ensure every customer has options.
