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That's fair enough really. It's impossible for my house (or pretty much any house I've lived in so far) to be flooded, so I wouldn't appreciate all home policies including that automatically and increasing the resulting premiums. Unless you can opt to have it removed from the policy I guess...

Allianz etc pay out plenty on CTP - believe me! ;) Mind you if people stopped defrauding the system, peoples CTP/rego's wouldn't need to go up so much either. I don't watch the news, but apparently a lot of SA people up in arms at the moment about CTP costs about to go up. :rolleyes:

Sorry, but that's the only sentenced that needed to be made. If the policy doesn't cover flood water, then the insurance company won't pay out. Simple as that. The majority of insurers specifically don't cover flood water and that's commonly known, which is why generally most people in flood...