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Am I covered for flood?

You’ll only be covered if you have added the optional Flood Cover to your home insurance policy. If you have our Flood Cover, upon acceptance of any flood claim we’ll pay to repair or replace damage to your flooded home and/or contents, up to your sum insured.

It’s important to note that we will not cover any loss or damage caused by flood within 72 hours of when you first purchase the policy unless the policy:

  • Started immediately after another policy covering the same risk, with the same level of cover ended, without a break in cover; or
  • Started on the same day you bought your home or moved to a new address.

This is designed to stop people from taking out cover immediately before anticipated floods and then making a claim.

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