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Improvements To Our Rainbow Home Insurance policy wording.

09 March 2017

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Following a recent review of our Rainbow Home Insurance product (RBF), we’ve made some changes to further simplify and improve our policy wording.  These changes come into effect for new business and renewals from 1 April 2017.

What’s changed?

Here’s an overview of the key changes we’ve made:

  • New - visitors personal effects are now covered up to £300 under Contents.
  • New - We’ve added ‘loss of keys’ so we now cover loss and theft of keys to £750 under both Buildings and Contents.
  • Under Contents, we’ve removed the £500 limit on pedal cycles within the home – there’s now no limit.
  • Under Personal Possessions, we’ve removed the exclusion restricting cover to 60 days worldwide.
  • We’ve removed the exclusion under Buildings for storm or flood damage to cantilever car-ports, canopies and awnings, and to any felt roof where the felt is more than 10 years old.

To make our policy wording clearer for you and your customers, we’ve also:

  • Simplified wording wherever possible including section headings e.g. ‘General Exceptions Applying to this Policy’ is now ‘What is not covered’.
  • Placed all definitions to the front of the policy booklet.
  • Removed any repetition wherever possible.
  • Moved monetary limits to within the cover description.

What do you need to do?                               

We’ve updated our Rainbow Home Insurance policy booklet and policy summary to reflect these changes.  If your customer takes out a policy with an inception date on or after 1 April 2017, please ensure that they are given the latest versions of our documentation.

For customers with a renewal date on or after the 1 April 2016, please ensure they receive a copy of our new policy booklet (QGI6390 04/17).

The relevant documents generated from your software system have also been updated.

Printed copies of our updated documentation are available to order now using our online literature ordering system.


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