The British Insurance Brokers’ Association (BIBA), the ABI, and Flood Re has marked four years since the launch of the Flood Insurance Directory, a collaborative initiative designed to help households in flood-prone areas access suitable insurance.
Since its launch in February 2022, the Directory has helped more than 35,000 households search for flood insurance. There has also been an upwards trend seeing a 50% increase in enquiries when comparing the 12-month periods from October 2022 and October 2024.
Floods Minister Emma Hardy said: “Flooding has a devastating and lasting impact on households, so it is great to hear that the Flood Insurance Directory is making a real difference for households facing flood risk, helping them find suitable cover and peace of mind.
“This government is spending at least £10.5 billion up until 2036 to build and repair flood defences in England, and initiatives like this are further examples of what can be achieved when government and industry work together. I welcome the continued efforts to raise awareness of the Directory to ensure homeowners know their options and can secure the protection they need.”
The figures reflect the success of the signposting agreement, which was implemented alongside the Directory in September 2022, and saw the industry commit to signposting consumers declined flood cover or offered policies with flood exclusions to the Directory.
Graeme Trudgill, BIBA Chief Executive commented: “Four years on, the Flood Insurance Directory operated by BIBA continues to deliver on its promise. It is helping thousands of people find the protection they need for their homes. The increase in usage shows that signposting works, and we’re proud to see the industry come together to support those in need.”
The Directory was developed in response to the Independent Review of Flood Insurance in Doncaster, which called for improved access to flood insurance. Working closely with Defra, BIBA, the ABI and Flood Re created the directory and signposting agreement as a response to help homeowners.
Kelly Ostler-Coyle, Director of Corporate Affairs at Flood Re, said: “We’re delighted that the Flood Insurance Directory has supported more than 35,000 households in its first four years. It continues to be an essential resource for homeowners who are not eligible for the Flood Re Scheme. We’ve greatly valued our close partnership with the ABI and BIBA, and we look forward to helping many more people secure the insurance cover they need for years to come.”
The Directory currently features 24 approved insurers and brokers. Consumers can access the Flood Insurance Directory at www.biba.org.uk/Flood-insurance-directory
Chris Bose, ABI Director of General Insurance Policy, concluded: “In helping over 35,000 households find suitable insurance when they might otherwise struggle to access cover, the directory is delivering exactly what insurance is there for – vital, practical support for homeowners facing the challenges of flooding. It’s encouraging to see the real difference this is making for so many customers. We’re proud to work in partnership with BIBA and Flood Re on this initiative, and we will continue to work together to ensure customers get the vital support they need.”
Read how BIBA’s Find Insurance Service helped Paula and Will to find flood cover after their home was flooded in 2025 https://www.biba.org.uk/flood-insurance-paula-will-nottingham-canal/
- ENDS –
Notes to editors
- The Flood Insurance Directory was launched in February 2022 with the implementation of the industry signposting agreement from September 2022.
- Total enquiries have increased from 6711 in the 12months between Oct 2022-Sept 2023 to 0061 in the 12months between Oct 2024-Sep 2025; an increase of 50%.
- For further information please contact:
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Pam Quinn, Head of Communications
07562 616686
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Leighann Forsyth, Deputy Head of Communications
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- About the British Insurance Brokers’ Association
The British Insurance Brokers’ Association (BIBA) is the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries and their customers.
BIBA membership includes more than 1,700 regulated firms, employing over 130,000 people across the UK.
General insurance brokers contribute £26.1bn to the UK economy and arrange £150bn of general insurance premiums – over 5% of UK GDP.
Insurance brokers put their customers’ interests first, providing advice, access to suitable insurance protection and risk management.
BIBA receives hundreds of thousands of enquiries per year to its Find Insurance Services, online and via the telephone, which are directed to insurance broking firms.
BIBA is the voice of the sector advising members, Government, regulators, consumer bodies and other stakeholders on key insurance issues.
