mikeyboy Posted February 19, 2014 Report Share Posted February 19, 2014 I was renewing my house insurance this morning when I was struck by a new question " Is your home within 400m of a riverbank, lake, seafront, reservoir, quarry or other excavation?"Since we live on an island I couldn't help but think that the vast majority of people here are going to answer yes. The nice lady from Kwikfit assured me that this was nothing to do with the floods in the South of England but I can't help but be cynical. Will we at some point be paying higher premiums to cover the damage South?? Quote Link to comment Share on other sites More sharing options...
shetlandpeat Posted February 19, 2014 Report Share Posted February 19, 2014 There will be a levy of £10 or more added to premiums to offset the cost to insurers who cover houses built in high risk areas. In the main, river banks and low land. Quote Link to comment Share on other sites More sharing options...
mikeyboy Posted February 19, 2014 Author Report Share Posted February 19, 2014 Yes I saw that on the channel 4 news last night, this seems to be above that. The woman was able to tell me exactly how far I live from the sea as the crow flies. Quote Link to comment Share on other sites More sharing options...
Carlos Posted February 19, 2014 Report Share Posted February 19, 2014 400m away and 0.4m above the sea might not be quite as good as 100m away and 100m above.... Scorrie 1 Quote Link to comment Share on other sites More sharing options...
MuckleJoannie Posted February 19, 2014 Report Share Posted February 19, 2014 I agree Carlos. Most houses in Shetland are situated a good bit higher than sea level. In my view the main vulnerability here is from landsips due to heavy rain. Quote Link to comment Share on other sites More sharing options...
mikeyboy Posted February 19, 2014 Author Report Share Posted February 19, 2014 I tried to explain that to the nice lady. Quote Link to comment Share on other sites More sharing options...
EM Posted February 20, 2014 Report Share Posted February 20, 2014 A few years back I got a minimal letter from insurer telling me that they had decided to stop insuring the house forthwith. I phoned to enquire why. After a brief wait while the lady investigated, I was told it was because the building was "on a cliff." Bemused I told her it was not on a cliff, but was certainly in the sea. She said "On a cliff? In the sea? Same thing." Quite funny I thought. While most of my neighbours flood regularly, thankfully my lowest floors are just a bit higher and the house has never flooded. Quote Link to comment Share on other sites More sharing options...
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