# Cut Bands A–B flood contents premiums to £25

> “This includes more than halving premiums for contents cover policies in Council Tax Bands A and B, to £25, from April 2027.”
>
> — HM Government; Press release (Department for Environment, Food & Rural Affairs), 13 October 2026

- **Status:** Promised
- **Status ladder:** Promised → In plan → Legislated → Funded → Delivering → Delivered
- **Policy area:** [Housing & environment](https://ledgergov.uk/promises/area/housing-and-environment)
- **Speaker:** [HM Government](https://ledgergov.uk/actor/hm-government)
- **Made on:** 13 October 2026
- **Where:** Press release (Department for Environment, Food & Rural Affairs)
- **Deadline:** 1 April 2027
- **Cost a year:** No costing published
- **Who it affects:** Contents insurance policies in Council Tax Bands A and B; meant to support lower-income households and renters
- **When:** From April 2027
- **Paid for by:** Not stated when it was announced
- **Quote source:** https://www.gov.uk/government/news/new-pioneering-certificates-to-help-homeowners-cut-flood-risk (checked word for word on 16 October 2026; Open Government Licence v3.0)
- **Last updated:** 16 October 2026
- **Card:** https://ledgergov.uk/promise/uk-flood-re-contents-premiums-2027

## Where it stands

A restatement: the release says the government and Flood Re unveiled these plans earlier this year, to keep flood insurance fair, affordable and sustainable. Premiums for contents cover in Council Tax Bands A and B are to be more than halved, to £25, to support lower-income households and renters, with insurers expected to pass the savings on to customers. "From April 2027" is read as 1 April 2027. The card moves when the new premiums apply.

## Timeline

- 13 October 2026, Promised: The government and Flood Re restate the plan to more than halve premiums for contents cover in Council Tax Bands A and B, to £25, from April 2027
- 1 April 2027, Deadline (to come): Contents cover premiums in Council Tax Bands A and B due to fall to £25 from April 2027

## About the cost

No cost has been published. £25 is the new premium, not a cost to the government.

## Sources

- [Defra press release, 13 Oct 2026: New pioneering certificates to help homeowners cut flood risk](https://www.gov.uk/government/news/new-pioneering-certificates-to-help-homeowners-cut-flood-risk)

## Checks

- Checked automatically by AI Journalist, not yet verified by an editor.
- Checked by AI Journalist (automated) on 16 October 2026.

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