Janice, I live in a flood zone and managed to get very competetive insurance via a broker in Carlisle. I moved into the property after it had flooded so had no existing cover to rely on but it wasn't a problem once the broker became involved.

Malcom- it is a waste of time asking for a flood certificate. All insurers are interested in is are you in a flood risk area. My post code is and even though I have never claimed and my property has never flooded I am unable to get insurance other than renew with my existing provider. I am now paying three times more than I did 7 years ago even though I have the maximum no claims. The insurers have various different criteria such as not insuring properties that are a mile within flooded properties or not insuring those properties that are less than 400metres from a river. None of the insurers give two hoots if you have flood defences protecting you. I would have no issue with a big flood excess as I know the chances of my property flooding are slim. But every insurer I have contacted (quite a few!) just refuse to provide a quote. Would love to know how others classed as 'flood risk' are managing to get insurance.

What a real shame for Threlkeld cricket club,on what must be along with patterdale the most beautiful cricket grounds in the uk.
I would like to wish the guys a Threlked all the very best in getting the ground back to its fantastic best.

In response to previous posts those in flood risk areas would be subject to a premium and excess appropiate to risk. However funding of last recourse would flow from levies, on all UK insurers, but in a ratio to certain classes of insurers' premium income. There would be a (very) limited element of cross subsidy. Cross subsidies apply in very many spheres of life.
All householders are entitled to contact the Environmental Agency at 01925 - 542937 and request a flood risk certificate for their specific home. Wise to do this NOW. Remember 75% of flooding of homes arises from surface water problems

In response to Malcolm P. How do you define a flood risk area.

Over the last few years, more and more houses that have never been flooded before, are being flooded, for various reasons, some man made and some not.

Me - it is not being shown as closed on the police's 'real-time' traffic link map.

Ian

Is the A66 between Keswick and Cockermouth still closed?

Hats off to the government / EPA / councils on this one. Less than 7 years ago one of the most catastrophic events to ever hit Carlisle, occurred. After constant assurances and a fairly intense flood protection scheme, what is the result? more houses damaged, more lives made difficult.

Who will take the blame for this one? Elliot Morely (shamed ex-MP) was pretty quick to visit and give assurances last time, I wonder who'll be our knight in shining armour this time, eager to raise their political profile.

So what your basically saying MALCOLM P WARD is that we the tax payer, especially those who sensibly bought houses outside the flood plane should bail everyone else out? What an idiotic comment to make.

Torrential rain and strong winds all day yesterday in Whitehaven with the roads covered in leaves and branches. Driving on the A595 Distington by pass was hazardous yesterday, made more dangerous by idiots driving with no lights on and breaking the speed limit.