Consumer group Which? praises individual risk approach

Getting insurance is becoming increasingly difficult for those who live on or near a floodplain, with thousands of home owners being caught in a Catch 22, says consumer group Which?

Which? recommends those on flood plains “only approach insurers that consider a home's specific risk rather than basing quotes on the area.”

It says Aviva and Stroud & Swindon Building Society pinpoint an individual property's flood risk. Some other insurers, including Northern Rock and LV=, assess flood-risk at postcode level, with reference to claims history and the Environment Agency map.

Martyn Hocking, Editor of Which? says: "It really pays to shop around for buildings and contents insurance - particularly if you live in a flood-risk area."