Home Insurance Discussion

DullGreyGuy

Last year was exceptionally bad for weather related claims, it's therefore inevitable that those that are more exposed to weather events like flood or storm will see a more material impact. 

Presumably you are getting quotes via confused.com etc and not just looking at this last year;s insurer

Annemos

I wonder how granular they are when they look at exposure. Is it the postcode itself? Full postcode, not just first 3 letters?

DullGreyGuy

Annemos said:

I wonder how granular they are when they look at exposure. Is it the postcode itself? Full postcode, not just first 3 letters?

They will almost certainly be using the sector at least (the first half plus the number of the second half) but some will go for the full postcode. 

It also depends what tooling they use... some do use full postcode and door number to get coordinates to calculate risk exposures, others will assume the property is in the centre of postcode/postcode sector.

Annemos

https://www.getthedata.com/flood-map-by-postcode#:~:text=Flood%20maps%20for%20English%20postcodes%20using%20Environment%20Agency%20open%20data.

This gives Sector information. If accurate.

Entering the postcode did not find mine.

But going into the first two letters down below that, did open up the risk for the sectors affected. And if you keep clicking down you can see the flood map for the actual complete postcodes.