Admiral | Gold
Match
Flooding counts as a catastrophe, so £1,000 pays to move you somewhere safer or bring you home, and it counts as severe weather for delay and missed departure. You can only cancel if the Foreign Office warns against travel.
A comparison of travel insurance policies for flooding
Flood cover on travel insurance varies between insurers, and it's not always clear how. We review and compare whether you can cancel or cut a trip short because your destination has flooded, or only once the Foreign Office advises against travel, how much a policy pays to move you somewhere safer and to cover the accommodation and travel you lose, and whether belongings ruined by flood water are covered. If you see a policy you like, click through to get a live quote and a price comparison against 30 other insurers.
Cover for flooding compared
A comparison of 9 policies from 6 leading UK travel insurers.
Policies from Aviva, Admiral, GetAway, Staysure, LV= and Post Office are compared on their cover for travel delays. Comparison is based on cover levels and a line-by-line review of each insurer's full policy wording and IPID. Insurance policies and IPIDs were those publicly available from insurers. Review conducted on August 25th, 2026. Where a policy meets our criteria, a link to purchase via our partner Aequotech is provided, or we link directly to the insurer. Always review your policy wording before purchasing to check for wording updates and specific clauses.
Aviva | Signature
Requires add-on
Flooding counts both as a natural disaster and as severe weather, so cancelling and coming home early share one £5,000, and moving you somewhere safer and rebooking share another. Possessions the flood water ruins are covered only if you buy the belongings add-on.
Post Office | Core
Requires add-on
Water that makes your room unusable pays up to £750, but only as storm damage, and only where the flooding covers less than 50 square km. Larger flooding needs the paid Trip Disruption add-on, and so do cancelling, coming home early and every delay benefit, whatever the size.
Staysure | Basic
Requires add-on
Flood is named for cancelling, but only where the Foreign Office warns against travel because of it. Moving somewhere safer and coming home early are sold only on the paid Travel Disruption add-on, which pays £1,000 for one or the other.
LV= | Premier
Requires add-on
£1,000 pays to rehouse you where a severe natural disaster leaves you unable to stay, and flooding counts: the earthquake, hurricane and tidal wave the policy mentions are illustrations, not the whole list. Cancelling and coming home early turn on a Foreign Office warning that may never come.
GetAway | Get3
Potential gaps
Losses from floods are excluded across every section, with one exception: the £500 natural disaster section, which names flood. That is the only money available, and it pays nothing on a package holiday or a UK trip.
Admiral | Standard
Potential gaps
Flooding counts as severe weather, so a delay, missing your departure, or giving up the trip once you are delayed all pay out, and £1,000 covers possessions the flood water ruins. But nothing pays to move you somewhere safer, and cancelling before you go needs a Foreign Office warning.
Getaway | Get2
Potential gaps
Losses from floods are excluded right across this policy. The one exception points at natural disaster cover that pays nothing here anyway, so no part of this risk is covered.
LV= | Essential
Potential gaps
Flooding is named nowhere, so you can only cancel if the Foreign Office warns against travel. Nothing pays to move you, nothing pays for a delay, and possessions the water ruins need the paid baggage add-on.