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To: "" <admin@sarahharvey.com>
Message-ID: <66.C3.54781.70B34296@i-039c35d80c95d9f95.mta1vrest.sd.prd.sparkpost>
Date: Mon, 24 Nov 2025 11:01:27 +0000
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Reply-To: enquiries@bateman-group.co.uk
From: "The Bateman Group" <enquiries@bateman-group.co.uk>
Subject: Why UK flood insurance is changing
Feedback-ID: 052-2316b3c5-c412-4709-98eb-56d087c1e1f3:001-624559ff-cf1a-4a8b-bb1b-43c0467581c1:swiftpage-eu:actsend

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lock-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" rol=
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<p style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:1=
6.8px">Welcome to November's newsletter from The Bateman Group -&nbsp; expe=
rienced insurance brokers helping businesses, families & individuals since =
1967.</p></div></div>=0A</td></tr></table><table class=3D"image_block block=
-2" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D=
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s=3D"pad" style=3D"width:100%"><div class=3D"alignment" align=3D"center"><d=
iv style=3D"max-width:600px"><a href=3D"https://clickeu.actmkt.com/s2/001-6=
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a=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5yao4ac4adcabqqa5aamuag2adbabxaaliam=
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abzaazqaziaheadsabyaayqazqamuadkad4abaqa7aa" target=3D"_blank"><img src=3D"=
https://inboxguru.s3.amazonaws.com/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1=
/Bateman%20Group%20Newsletter%20Images%2024_12.png" =0Astyle=3D"display:blo=
ck;height:auto;border:0;width:100%" width=3D"600" alt title height=3D"auto"=
></a></div></div></td></tr></table><table class=3D"heading_block block-3" w=
idth=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pres=
entation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"=
pad" style=3D"padding-top:10px;text-align:center;width:100%"><h1 =0Astyle=
=3D"margin:0;color:#555;direction:ltr;font-family:Arial,Helvetica Neue,Helv=
etica,sans-serif;font-size:23px;font-weight:700;letter-spacing:normal;line-=
height:1.2;text-align:center;margin-top:0;margin-bottom:0;mso-line-height-a=
lt:28px"><span class=3D"tinyMce-placeholder" style=3D"word-break: break-wor=
d;">Flood RE Under Pressure: Why UK Flood Insurance is Changing&nbsp;</span=
></h1></td></tr></table><table class=3D"paragraph_block block-4" width=3D"1=
00%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" =0Arole=3D"presentat=
ion" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word">=
<tr><td class=3D"pad"><div style=3D"color:#000;direction:ltr;font-family:Ar=
ial,Helvetica Neue,Helvetica,sans-serif;font-size:14px;font-weight:400;lett=
er-spacing:0;line-height:1.2;text-align:center;mso-line-height-alt:17px"><p=
 style=3D"margin:0;margin-bottom:16px">=0AFor nearly a decade, Flood Re =E2=
=80=93 a joint initiative between the government and insurers =E2=80=93 has=
 been the safety net keeping flood insurance affordable for hundreds of tho=
usands of UK homeowners. But the scheme is facing pressure, with costs spir=
alling and climate change rewriting the rules of insurability.&nbsp;</p><p =
style=3D"margin:0">=0AAs the 2039 sunset date approaches, fundamental quest=
ions are emerging about the future of flood insurance in the UK and its imp=
lications for homeowners in at-risk areas.</p></div></td></tr></table><tabl=
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"image_block block-7" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspa=
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20%281%29_13.png" style=3D"display:block;height:auto;border:0;width:100%" w=
idth=3D"600" alt title height=3D"auto"></a></div></div></td></tr></table><t=
able class=3D"heading_block block-8" width=3D"100%" border=3D"0" cellpaddin=
g=3D"0" cellspacing=3D"0" role=3D"presentation" =0Astyle=3D"mso-table-lspac=
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ight:700;letter-spacing:normal;line-height:1.2;text-align:center;margin-top=
:0;margin-bottom:0;mso-line-height-alt:28px">FSCS Protection Rising to =C2=
=A3120,000</h1></td></tr></table></td></tr></tbody></table></td></tr></tbod=
y></table><table class=3D"row row-3" =0Aalign=3D"center" width=3D"100%" bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=
=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"r=
ow-content stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspaci=
ng=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace=
:0;border-radius:0;color:#000;width:600px;margin:0 auto" width=3D"600"><tbo=
dy><tr><td class=3D"column column-1" width=3D"100%" =0Astyle=3D"mso-table-l=
space:0;mso-table-rspace:0;font-weight:400;text-align:left;padding-bottom:5=
px;padding-top:5px;vertical-align:top"><table class=3D"paragraph_block bloc=
k-1" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=
=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break=
:break-word"><tr><td class=3D"pad"><div =0Astyle=3D"color:#000;direction:lt=
r;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:14px;font=
-weight:400;letter-spacing:0;line-height:1.2;text-align:center;mso-line-hei=
ght-alt:17px"><p style=3D"margin:0">=0AIn welcome news for UK savers, the F=
inancial Services Compensation Scheme (FSCS) protection limit is increasing=
 significantly from December 1, 2025. The Prudential Regulation Authority a=
nnounced that Britain=E2=80=99s Financial Services Compensation Scheme will=
 protect up to =C2=A3120,000 of depositors=E2=80=99 money, up from the curr=
ent =C2=A385,000 cap, which was set in 2017. This represents a substantial =
boost to the safety net protecting your hard-earned savings, but what does =
it actually mean for you=3F</p></div></td>=0A</tr></table><table class=3D"b=
utton_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspa=
cing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspa=
ce:0"><tr><td class=3D"pad"><div class=3D"alignment" align=3D"center"><a hr=
ef=3D"https://clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c=
1/055-17172a65-d588-4f57-8edd-df34cdf09c0a=3Fenr=3Dnaahiaduabyaaoqaf4ac6adc=
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faa2qa7aaieahyaa=3D" target=3D"_blank" style=3D"color:#ffffff;text-decorati=
on:none;"><!--[if mso]>=0A<v:roundrect xmlns:v=3D"urn:schemas-microsoft-com=
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ickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-17172a65-d=
588-4f57-8edd-df34cdf09c0a=3Fenr=3Dnaahiaduabyaaoqaf4ac6adcabqqa5aamuag2adb=
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yadoabvaa4aamiammadcad4absaayqameagkabzabtaayqagyac2adcaayaamiahaac2abuabra=
ayiammac2abyaa2qamiaguac2abvabqqaoiagmagkabzaa4qaoaageagmadfaa2qa7aaieahyaa=
=3D"  style=3D"height:42px;width:132px;v-text-anchor:middle;" arcsize=3D"31=
%" fillcolor=3D"#00529b">=0A<v:stroke dashstyle=3D"Solid" weight=3D"0px" co=
lor=3D"#00529b"/>=0A<w:anchorlock/>=0A<v:textbox inset=3D"0px,0px,0px,0px">=
=0A<center dir=3D"false" style=3D"color:#ffffff;font-family:sans-serif;font=
-size:16px">=0A<![endif]-->=0A<span class=3D"button" style=3D"background-co=
lor: #00529b; mso-shading: transparent; border-bottom: 0px solid transparen=
t; border-left: 0px solid transparent; border-radius: 13px; border-right: 0=
px solid transparent; border-top: 0px solid transparent; color: #ffffff; di=
splay: inline-block; font-family: Arial, Helvetica Neue, Helvetica, sans-se=
rif; font-size: 16px; font-weight: 400; mso-border-alt: none; padding-botto=
m: 5px; padding-top: 5px; padding-left: 20px; padding-right: 20px; text-ali=
gn: center; width: auto; word-break: keep-all; letter-spacing: normal;"><sp=
an style=3D"word-break: break-word; line-height: 32px;"><strong>Read Articl=
e</strong></span></span>=0A<!--[if mso]></center></v:textbox></v:roundrect>=
<![endif]--></a></div></td></tr></table><table class=3D"divider_block block=
-3" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D=
"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td clas=
s=3D"pad" style=3D"padding-bottom:10px;padding-top:10px"><div class=3D"alig=
nment" align=3D"center"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" width=3D"100%" style=3D"mso-table-lspace:0;mso=
-table-rspace:0"><tr><td =0Aclass=3D"divider_inner" style=3D"font-size:1px;=
line-height:1px;border-top:1px solid #bbb"><span style=3D"word-break: break=
-word;">&#8202;</span></td></tr></table></div></td></tr></table><table clas=
s=3D"image_block block-4" width=3D"100%" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-=
rspace:0"><tr><td class=3D"pad" style=3D"width:100%;padding-right:0;padding=
-left:0"><div class=3D"alignment" align=3D"center"><div class=3D"fullWidth"=
 style=3D"max-width:600px">=0A<a href=3D"https://clickeu.actmkt.com/s2/001-=
624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-17172a65-d588-4f57-8edd-df34cdf09c=
0a=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5yao4ac4adcabqqa5aamuag2adbabxaalia=
m4aheadpab2qa4aafyaggadpaaxaa5ianmac6advabxaazaamuaheadtab2aayianyagiadjabx=
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ddabsqaliapeag6advabzaaliaoiagsadhabuaa5aaomac2advabxaazaamuaheabnabxaaziao=
4ac2adgabrqayiafuaheadvabwaaziaomac6ad4abqqazaanuagsadoabaaa4yameaheadbabua=
a2aameaheadwabsqa6iafyaggadpabwqa7aagyahyabtabrqaoiag4aggabvaa4qaziafuagmab=
vaa2aaniafuadiadcaayaaziafuageadcabsqamaafuageabsabsqanqammadsaddaazqayiagi=
adoabxab6aamaaguadeabnaazaamyageadmadcaazqayyaguac2addaa2aamiagiac2abuaa3qa=
maaheac2abzaa4aaziamiac2abvaa3aazaagaadqabxabrqamiamuadcadgaazqa7aagaadkabz=
aawqaoaamqadiadfaa4aaoiagyageabnabsqaniageadeabnaa2aaziahaadiabnabraamqagua=
geabnabtaazaagyadeadcaa3aamyaguadsabsaayaayiapqadaabqaayqaliagyadeabuaa2qan=
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iadcabqqayyafuadqabvaayqaniafuadkadbaa4qamyamuadsabzaa4aamiamyagkabvab6aaqi=
apqaa=3D=3D=3D=3D" target=3D"_blank"><img src=3D"https://inboxguru.s3.amazo=
naws.com/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/Bateman%20Group%20Newslet=
ter%20Images%2024_11.png" style=3D"display:block;height:auto;border:0;width=
:100%" width=3D"600" alt title height=3D"auto"></a></div></div></td></tr></=
table><table class=3D"heading_block block-5" width=3D"100%" border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-=
lspace:0;mso-table-rspace:0">=0A<tr><td class=3D"pad" style=3D"padding-top:=
10px;text-align:center;width:100%"><h1 style=3D"margin:0;color:#555;directi=
on:ltr;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:23px=
;font-weight:700;letter-spacing:normal;line-height:1.2;text-align:center;ma=
rgin-top:0;margin-bottom:0;mso-line-height-alt:28px"><span class=3D"tinyMce=
-placeholder" style=3D"word-break: break-word;">Fair Value in Insurance: Yo=
ur Rights Under New FCA Rules</span></h1></td></tr></table><table =0Aclass=
=3D"paragraph_block block-6" width=3D"100%" border=3D"0" cellpadding=3D"10"=
 cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D"col=
or:#000;direction:ltr;font-family:Arial,Helvetica Neue,Helvetica,sans-serif=
;font-size:14px;font-weight:400;letter-spacing:0;line-height:1.2;text-align=
:center;mso-line-height-alt:17px"><p style=3D"margin:0">=0AAs the FCA conti=
nues its mission to tighten the ropes of insurance regulation in the UK, yo=
u may soon start to notice some changes. The Financial Conduct Authority (F=
CA) has intensified its focus on ensuring that insurance products deliver g=
enuine value for money, placing fair value at the heart of its Consumer Dut=
y framework.</p></div></td></tr></table><table class=3D"button_block block-=
7" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D=
"presentation" =0Astyle=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td c=
lass=3D"pad"><div class=3D"alignment" align=3D"center"><a href=3D"https://c=
lickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-17172a65-=
d588-4f57-8edd-df34cdf09c0a=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5yao4ac4ad=
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bzaa4aamiamyagkabvab6aaqiapqaa=3D=3D=3D=3D" target=3D"_blank" style=3D"colo=
r:#ffffff;text-decoration:none;"><!--[if mso]>=0A<v:roundrect xmlns:v=3D"ur=
n:schemas-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsoft-com:office:wo=
rd"  href=3D"https://clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0=
467581c1/055-17172a65-d588-4f57-8edd-df34cdf09c0a=3Fenr=3Dnaahiaduabyaa4yah=
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fuadkadbaa4qamyamuadsabzaa4aamiamyagkabvab6aaqiapqaa=3D=3D=3D=3D"  style=3D=
"height:42px;width:132px;v-text-anchor:middle;" arcsize=3D"31%" fillcolor=
=3D"#00529b">=0A<v:stroke dashstyle=3D"Solid" weight=3D"0px" color=3D"#0052=
9b"/>=0A<w:anchorlock/>=0A<v:textbox inset=3D"0px,0px,0px,0px">=0A<center d=
ir=3D"false" style=3D"color:#ffffff;font-family:sans-serif;font-size:16px">=
=0A<![endif]-->=0A<span class=3D"button" style=3D"background-color: #00529b=
; mso-shading: transparent; border-bottom: 0px solid transparent; border-le=
ft: 0px solid transparent; border-radius: 13px; border-right: 0px solid tra=
nsparent; border-top: 0px solid transparent; color: #ffffff; display: inlin=
e-block; font-family: Arial, Helvetica Neue, Helvetica, sans-serif; font-si=
ze: 16px; font-weight: 400; mso-border-alt: none; padding-bottom: 5px; padd=
ing-top: 5px; padding-left: 20px; padding-right: 20px; text-align: center; =
width: auto; word-break: keep-all; letter-spacing: normal;"><span style=3D"=
word-break: break-word; line-height: 32px;"><strong>Read Article</strong></=
span></span>=0A<!--[if mso]></center></v:textbox></v:roundrect><![endif]-->=
</a></div></td></tr></table><table class=3D"divider_block block-8" width=3D=
"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentatio=
n" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" st=
yle=3D"padding-bottom:10px;padding-top:5px"><div class=3D"alignment" align=
=3D"center"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D=
"presentation" width=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspace:=
0"><tr><td =0Aclass=3D"divider_inner" style=3D"font-size:1px;line-height:1p=
x;border-top:1px solid #bbb"><span style=3D"word-break: break-word;">&#8202=
;</span></td></tr></table></div></td></tr></table><table class=3D"text_bloc=
k block-9" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-b=
reak:break-word"><tr><td class=3D"pad" style=3D"padding-bottom:20px;padding=
-left:5px;padding-right:5px;padding-top:10px"><div style=3D"font-family:san=
s-serif"><div =0Aclass style=3D"font-size:12px;font-family:Arial,Helvetica =
Neue,Helvetica,sans-serif;mso-line-height-alt:14.399999999999999px;color:#5=
55;line-height:1.2"><p style=3D"margin:0;font-size:14px;text-align:center;m=
so-line-height-alt:16.8px"><span style=3D"word-break: break-word; font-size=
: 14px;">For advice on any of the topics covered in this newsletter speak t=
o our experts by calling </span></p><p style=3D"margin:0;font-size:14px;tex=
t-align:center;mso-line-height-alt:16.8px">=0A<span style=3D"word-break: br=
eak-word; font-size: 14px;">0800 731 6689 or email us <a href=3D"mailto:enq=
uiries@bateman-group.co.uk" target=3D"_blank" title=3D"enquiries@bateman-gr=
oup.co.uk" style=3D"text-decoration: underline; color: #0068A5;" rel=3D"noo=
pener">enquiries@bateman-group.co.uk</a><br></span></p></div></div></td></t=
r></table></td></tr></tbody></table></td></tr></tbody></table><table class=
=3D"row row-4" align=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" =0Arole=3D"presentation" style=3D"mso-table-lspace:0;m=
so-table-rspace:0"><tbody><tr><td><table class=3D"row-content stack" align=
=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presen=
tation" style=3D"mso-table-lspace:0;mso-table-rspace:0;background-color:#47=
68b7;color:#000;width:600px;margin:0 auto" width=3D"600"><tbody><tr><td cla=
ss=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-table=
-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top:5p=
x;vertical-align:top">=0A<table class=3D"social_block block-1" width=3D"100=
%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div =
class=3D"alignment" align=3D"center"><table class=3D"social-table" width=3D=
"108px" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentati=
on" style=3D"mso-table-lspace:0;mso-table-rspace:0;display:inline-block"><t=
r><td style=3D"padding:0 2px 0 2px">=0A<a href=3D"https://clickeu.actmkt.co=
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