watching the floods story on the news - 1 IN 4 households dont have house insurance

[nailpolish]

and they are calling on the government to help them out

if the government are willing ot help people out who dont have insurance, ie give them money i presume, then, er, why do i have insurance???

Don't know where you all live, and how hilly it is, but where we live, flooding is POLITICAL. The open the floodgates, at the expense of ... Guildford. Next time, they open them at Hampton Court, at the expense of Weybridge. I think Chertsey is considered to be the poor mans relation and it gets flooded all the time. Never our part of the town. But the environmnetal agency takes no allowance of that
Why somewhere floods is dependant on LOTS of reasons.

ok so some places are low risk

but they can still need isnurance for fire etc

i realise that some poeple just CANT afford it (redundancy, death, separation etc is all unplanned for i guess) but then there are always exceptions. i would help anyone who genuinely needed

That multi map site shows my Mums palce as clear from risk

they live near the river parrett fgs- environment agency shows them to be extremely high risk

Our place is shown as free, but we would be cut off- we're on a hill and all but about 10 houses woudl flood in our area

Muma nd dad will struggle to pay high insurances, they would go without to pay it of course. Are they lazy? Do tehy ahve a flat screen TV? PC? Car even? bugger of do they- Dad worked all his life but was victim of a company that sold to an American buyer who sued American law to steal the pension fund. Twice. he works now but will be on minimum benefits in a year as he is also disabled and cant work now really, let alone after retirement.

OBLOVMOV

that happened to my aunt
a local reservior ws going to flood and flood all theposh houses next to it.they opened the gates and a tidal wave of water flooded the council houses 4 MILES away. they knew that would happen of course they did

OK, I just had a quick look and if you go through quidco to Lloydstsb for example, for contents insurance you get £120 cashback, and a rough quote for £5000 cover is £199 per annum (this would vary obviously) but that is just £79 per annum to have some basic cover to buy you essentials. I know some people really cannot afford an extra £6 per month but most can but choose not to.

Nailpolish, I know, I know ooooooooooohhhhhhhhh
I am planning on moving to Windsor castle - out you go Queeny. I need flood protection.

The other thing i would say is remember who suffers when houses flood with no isurance

Mum may be a smackhead / stupid or just financially inept but its the kids that lose everything too, kids that get moved to new estates with new schools and no friends

I might well yel, at the parents for their incompetence, but i would still then do what i could just to make the kids lives better. Even if its just letting them have a few sleeping bags and pillows, so be it.

bubble its not much money is it?

But somehow I doubt those who have been flooded, or ive on a flood palin will get £6 insurance, if anyone will insure them at all

also, i have another question regarding the news

WHY DO WE NEED ALL THIS EXTRA HOUSING? the populations isnt booming is it? we ave lack of space as it is (ONE reason the govt build on flood plains and green belt) whats wrong with regeneration? or even knocking it all down and buiding again on same area? some one tell me befor emy head explodes

Isn't it a lot to do with the changing face of the family? lost of single poelpe, for example, therfore requiring more homes, and elderly epoepl are living longer which also affects the movement of property down the ladder, iyswim

here its also affected by second home owners, next door ahve a home each near their workpalces and a shared one here 9theya re semi retired). Three houses, one couple. Their ex's also ahve a home each with their children- so 2 marriages, 4 kids (iirc), 5 homes

Because if you knock down, then you have to rehouse all the people in there before you regenerate. Where do they go?

The housing they do build laregly isn't suitable for families, though.

I live in East Yorkshire, about 12 miles from Hull and and drive into the city everyday for work. It is absolutley heartbreaking to see the devastation this flooding has caused to people; those with or without insurance. I side with those who can't understand why people don't have insurance. Having said that, seeing the hellish mess it has caused, makes me feel sorry for all those affected.

I'm not easily saddened by other people's misfortune because our life isn't a bed of roses, but in this case......

yes, that makes a lot of sense peachy

expat - i dont think thats true, with the exception of Edinburgh possibly

where my mum lives they are building hundreds and hundreds of houses, all minimum £290k, all minimum 3 bed detached. its mind boggling that there are so many people who can afford that for a house

Edinburgh's what I'm talking about.

Council was supposed to knock down and rebuild some 3,000 homes in Granton.

But the project's been delayed because there's no place to put all the folks.

Lots of flats going up, though!

Even though they're dead ugly.

In Surrey, more flats are being built than houses. Not for first time buyers, but for single parent families, after a divorce. That, apparently is the market these days.
Says alot, eh ?

And they cost a bomb, too!

Expat, our are going for 225 - 300k. FLATS. One or two bedroom !!!!

It's not unusual for two-beds to fetch that amount here either, Ob, especially in certain areas.

But if I ever had that amount of money, I wouldn't spend it on that.

just found this thread -I'm quite relieved I thoguhtthe same thing about people with no insurance and then thought - oh no I shouldn't think like that - good old MN, always making me feel better. Mind you whenthere's a flood and people are made homeless all the way over the other side of the world people dig deep into their pockets to help out, why are we reluctant to do the same on our doorstep ? haven't read all the thread so sorry if s'one else has already made that point

because there are no insurance / benefit schemes in other countries perhaps?

because if the floods cause malaria here fore xam ple there are hospitals that cn help?

expat, im talking about NE scotland, where houses are cheap.

Expat. Me too. You can get a nice house with a garden and a garage for that.