Help: Finding contents cover for pre 1800 Grade 2 listed flat

getanner

Hi all,

I will be moving into a upper ground floor, former dock building located on the south bank of the Thames.

Just tried to move my existing contents cover to the new property and M&S have said they can not offer cover.

The flat is within a Grade 2 listed building, built around 1780. Whilst the area very well may have been under water during the pre-historic ages, there is no evidence of flooding in living memory.

I have a few 1000-3000 items and would like new for old and some cover for possessions outside the home too. Total cover needed under 50,000.

Any advice?

Most searches suggest pre 1800 is the standard cut off.

The building is let, so only need contents.

Thanks for any help,

G

huckster

Suggest phoning a broker. Try Towergate, as they are one of the largest and may have more options.

The cover will be widely available, but probably more expensive. You just have to speak to someone, rather than try to arrange online.

Sally_A

Is it outside of their criteria due to the age or the flood risk?

Can't see the problem myself, granted the construction may be slightly non standard, possibly wooden floors as opposed to concrete.

We insure contents and buildings for a lot of Georgian built places in Bath with no problem using Aviva, AXA, Hiscox, Chubb, Ecclesiastical and many more.

You may not fit the comparison website "ideal" but a local broker should have lots of options.

I_was_just_wondering

Are you sure it's the age and not the flood risk? Being on the South Bank, your postcode may be flagged as a high flood risk in the Environment Agency database.

I suspect that all the online (and mass market) insurance companies automatically check your postcode against the Agency's database, and automatically decline to quote on high flood risk ones.

There's some info here, plus a link to flood maps where you can check your postcode:
http://www.environment-agency.gov.uk/homeandleisure/floods/31654.aspx

ll123_2

Yeah, I'd ring round some brokers. I use towergate through a broker and usually if you deal with them over the phone, they can usually come to some arrangement