Hi there and thanks all for your replies on this .... After further pressure they have now pushed back and said that actually its not flood risk but that the area and postcode are flagging up as high risk for subsidence. We got several quotes from other insurers' and the message is the same that there is an issue flagging up on the postcode. Just now I've pushed back the story has changed as to why. Its not a lot of money but for me there has to be a decent reason if you want to increase premiums by 25% They now say that there are a lot claims flagging up in the area on subsidence and that by association we are at risk too and hence the increase.