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We're currently making improvements to our Online Banking service.

If you registered for Online Banking prior to the 17th December 2014 it's not possible for you to activate your existing Secure Key and you will need to re-start your registration.

If you registered for Online Banking after this date, please log on to Online Banking entering your username, memorable answer and your password, from here you will be prompted to activate your Secure Key.

We apologise for any inconvenience which this delay may cause. Once you are registered, we look forward to introducing you to Online Banking, including the exciting enhancements we're working on now.

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What to do in a flood

Flooding is one of the most traumatic events that a homeowner can suffer. We know how stressful it can be if your home floods, but help is out there as flooding is covered as standard in your HSBC home insurance policy. This means that damaged caused to your property and belongings, as a result of heavy rainfall, or rivers bursting their banks will be covered, and if your home becomes inhabitable that you have to move out of your home we will help with the cost of alternative accommodation.

Most belongings can be replaced or restored. And although it may take a while before life gets back to normal, the important thing is that it will eventually become less traumatic.

What you can do before a flood

  • Turn off gas, electricity and water supplies at the mains.
  • Unplug all electrical items and if possible store them up high or upstairs. With heavy electrical items such as fridges raise them up on bricks.
  • Put the lid down on your toilets and place something heavy, like bricks on top to stop the water coming in through waste pipes.
  • Put plugs in baths and sinks, weigh them down with a sandbag, pillowcase or plastic bag filled with soil.
  • Move all your personal and valuable items upstairs or out of the house.
  • Keep all important documents in a watertight plastic bag in a high, safe place.
  • Move as much furniture as possible upstairs. If items can't be carried, move them away from the wall as this will speed up drying times later.
  • Make a flood kit that includes key personal documents, torch, battery, mobile phone, rubber gloves, wellies, waterproof clothing, a first aid kit and blankets.
  • Make sure neighbours, especially elderly or infirm ones, know there is a flood on the way.

What to do following a flood

  • Contact your insurer as soon as possible and let them know what has happened. If you need temporary accommodation, be clear about where you are and what you require. Call us on 0345 300 5899.
  • Make a list and take pictures of anything that's damaged - it will help your insurer to process any claim you make. They will handle any cleaning, drying and repairs to your property as soon as practically possible.
  • Open windows to let moisture and water out, but only while someone's at home.

Getting back to normal

The Environment Agency has some advice for cleaning up your home following flooding:

  • Stay safe. If your electricity isn't already switched off at the mains, get a qualified person to do that. Never touch sources of electricity whilst standing in flood water.
  • Keep it hygienic Flood water can contain sewage and chemicals. Always wear waterproof outerwear including wellington boots, rubber gloves and a face mask.
  • What lies beneath? Be aware of dangers lurking in the water such as sharp objects and raised manhole covers.
  • Get pumping. You can drain water using a pump and generator. Position the generator outside as generators produce carbon monoxide fumes which can kill.
  • Check water levels. Only pump water out once the flood levels outside fall lower than levels inside your property. This reduces the risk of structural damage.
  • Choose your equipment wisely. A garden hose is useful for washing down but avoid high-pressure hoses as they can blast contaminated matter into the air.
  • Ask your council for help. Local councils can usually provide skips and extra rubbish collections for items that your insurance company has agreed you can throw away.
  • Choose your contractors carefully. If hiring people to help, check they are professional technicians experienced in water damage recovery and restoration.
  • Get a specialist opinion and cost estimate from contractors. It may be cheaper for you to get some items restored rather than replaced.
  • Ensure flood resilient measures are considered in any repairs, such as moving electrical sockets up or fitting water preventative air brick covers.

Where to go for further help

The following professional bodies specialise in flood advice and guidance and can put you in touch with experts you may need such as property surveyors.

The Environment Agency

0345 988 1188
British Damage Management Association (BDMA)

07000 843 236
The National Flood Forum
The Flood Protection Association
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