Our Customers

Here are just a few words from some of our happy customers. If you have any queries regarding any kind of insurance quote please call us, we are always happy to help!

Perfect service. The lady I spoke to was superb – helpful and clear. Just wish everyone I spoke to by phone was this good. Cheers A+++++++
Mr Nuttall - Sudbury

Gary was most helpful. Home visit very welcome, polite and on time, can’t fault the way I was treated, also the right price!
Mr Merry - Jaywick

Everything was dealt with in a prompt, efficient and professional manner. Thank you.
Mrs Cooper - Thorpe le soken

Very happy with service. First time I have contacted an insurance company and they have understood what I had and wished to insure.
Mr Cobb - Lincoln

Fantastic Service! Well recommended!
Mr Jarvis - Bridlingtom

First class service, very pleased with my cover and price – Superb!
Mr Churches - Isle of Wight

The easiest people I have ever dealt with, out of 4 in total you’re the best!
Mr Collinson - Darlington

Excellent service, would highly recommend. Very helpful and friendly staff.
Mr Barrett - Ipswich

We were one of the many households living near a river that were flooded in June 2007 following sustained rainfall leading to rising river levels.

The devastating experience of trying to live and work ‘normally’ whilst reinstating your home to one that is habitable again (18 months), left us in no doubt that we would do all we could to flood-proof our property. Our buildings insurance paid to reinstate our home to its former state, but any changes to make our property flood-proof and flood-resistance would have to be left to our own funds. We indeed poured a considerable amount of our own money making changes internally and externally including building an extension above flood level to house a new kitchen and raising electrics above flood level. In addition, no plaster exists on the walls which are now water proof/resistant, thus greatly speeding up the drying out process and also preventing major refurbishment, and all windows and doors are flood resistant. We now have only a single door at flood level and this is heavily protected by 3 layers of flood defences. Should flood water enter the property then there is no plaster to be damaged, no electrics at flood level and all heating, pipe work and boilers are protected.

Sadly, our insurers were uninterested and our premiums rose by more than 300%!

We were then to be informed by our brokers in January 2011 that our insurers were completely withdrawing from the home insurance market and that we would have to find alternative cover. After sending our brokers a detailed list of the flood preventative/resistant changes we had made, we were to wait more than a month before being offered potential cover from just one insurance company. However, although they were impressed with all the changes we had made, this made no real difference as they were only interested in a ‘flood risk assessment’ from the Environment Agency (EA) or a hydrologist that could assure them that we were not in a high risk area and that changes had been made to the river course which would reduce the risk of future flooding. We subsequently obtained a report from the EA which put our area at moderate to high risk, and which also stated that no plans were in place for our council to make changes to our river course. Our requests for someone to come and look at our particular property and take into account the external defences, were declined.

We then explored the possibility of engaging a hydrologist whose report might look at our property more favourably – the cost involved was estimated at around £1000. Before committing to this expense we decided to contact other insurance companies ourselves using the internet. Several weeks of lengthy phone calls, providing detailed information, left us disheartened, frustrated and let-down. None of the insurance companies we contacted that promote themselves as specializing in flood cover, were willing to cover us, despite all the changes we had made, giving reasons that included one of the following: length of time since being flooded less than 5 years; insurance claim above a certain limit; too near river course; no plans for council to modify river course etc. Some insurance brokers who had promised to get back to us within 24hrs with offers of cover, never bothered at all. Contacting ABI (Association of British Insurers) or BIBA was of no benefit at all!

Just when we were beginning to accept that we would have no future flood cover, we came across a website, Flood-Risk-Home-Insurance.co.uk, and read some testimonials from people who had been in a similar situation to ourselves, thanking Neil Cook of TR Youngs Insurance Brokers. As we had nothing left to lose, we contacted Neil, and that first phone call sounded too good to be true! After explaining the whole story to Neil, it was a matter of hours before he had found us potential insurance cover provided we could supply proof of flood defence measures undertaken. Moreover, the insurance premium was far more reasonable compared to our current insurance. Although our excess was increased, we are happy to have the security of being covered for flood damage. All the paperwork and further communication could not have been more efficient. We are so grateful for the help and support given by Neil and TR Youngs Insurance Brokers to victims like us who despite making huge efforts to prevent further flood damage to our home, have been completely let down by so many insurance companies who advertise themselves as specializing in flood risk cover.

Drs Stella and Mike Khan, Newbold-on-Stour