It appears as Halifax do not want to insure people in flood risk areas and are trying to price them off their books. I have insured with Halifax for the last 9 years without a single claim. However, over the last 3 years they have put up my premium by 20%, 30% and now 22%. My house is elevated and designed to withstand the maximum predicted flood levels from the river Thames but Halifax take no account of this in setting their premiums. In 2013 there were the worst floods in living memory and my house was unaffected and I did not need to make any claim but they just seem to ignore this fact. It would seem Halifax apply very little science to how they arrive at their premiums. Really poor service.