Have a flat roof which covers >40% of the total roof area. Extremely difficult to get a competitive quote. With Allianz for the past 3 years and have been refused by all the top insurance names this year. Brookers were useless. Allianz must be very aware of the niche they have and as such are able to jack up the insurance cost. Although to be fair they did drop their price this year but I had to fight hard for it. Still paying over €750 for house insurance. Roof is not typical "Felt" type flat roof but a type of rubber membrane. Is in place over 12 years now and no leaks / cracks whatsoever - touch wood.