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Rainbow additional cover options.

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OUR HOME INSURANCE ADDITIONAL COVER OPTIONS ADD UP TO BETTER BUSINESS FOR YOU

What could be better than extended cover for your customers? With our range of three additional cover options to our Rainbow Home Insurance policy, you’re well equipped to meet your customers needs and bring more value to your customer relationships whilst increasing your commission.

1. Personal possessions cover

Understanding exactly what is and isn’t covered under their standard home insurance, may be confusing for a customer. For example, if your customer damaged their laptop or lost their iPhone while they were on their way to work, would they be covered under their standard home insurance? They may think they are, yet the reality is that they would only be covered if they have personal possessions cover in place. 



Use our  Customer Flyer - Personal Possessions Cover (PDF: 1250KB)  to introduce this additional cover option to your customers and help them avoid any surprises should they need to make a claim. 

What’s covered?

If your customer has insured their contents with us, they can choose additional cover for valuables in and away from the home, anywhere in the UK and for up to 60 days in any insurance year for the rest of the world. It also lets your customers choose the type and value of possessions they want to insure including:

  • Unspecified personal property – We’ll cover clothing, personal belongings and valuables that they normally wear or carry – items such as watches, glasses. We’ll provide cover for up to £1,500 for each article, pair or set up to the personal possessions cover sum insured limit selected by the customer and up to £2,000 in total for theft from an unattended vehicle. We’ll even provide cover for sports equipment while not in use.
  • Personal money – This cover is only available if your customer chooses Unspecified personal property. We’ll  cover up to £500 for money including currency, traveller’s cheques, gift tokens. Please note, if your customer requires cover for Personal money, this option must be selected on your software system in addition to Unspecified personal property.
  • Specified articles – We’ll cover loss or damage to specified single articles, pairs or sets. This could be items such as engagement rings or designer watches. If your customer has an individual article, pair or set valued at more than £1,500 they will need to be specified with us.
  • Pedal cycles – Covers loss or damage up to £500 per pedal cycle (minimum sum insured of £250) and we may insure cycles worth more than £500 if the make, model and frame number are provided.

2. .Extended accidental damage

Your customers can extend both their buildings and contents insurance to protect against every day accidents, like driving a nail through a pipe or spilling a glass of red wine on the carpet.

3. Family legal protection

With pressure on family budgets, many of your customers may have been cutting back on what they may see as Insurance extras. However, it’s important for you to highlight that this saving can in fact be a false economy and customers can end up regretting not having that little bit of extra security.

Covers the costs of pursuing or defending certain legal proceedings in the UK up to £50,000.

Important information

Please note that Rainbow Home Insurance is designed to cover certain unforeseen events and doesn't cover everything. It does not cover things like general wear and tear or damage that happens gradually over a period of time. There is also an excess on each claim.

Limitations and exclusions apply. For more details of what is and isn't covered, please read the  Rainbow Policy Summary (QGI6438) 05/15  PDF: 296KB   or Rainbow Policy Booklet (QGI6390) 05/15  PDF: 1.06MB  


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Key documents

Home contents calculator

Home Contents calculator

Use our new, simple, online home contents calculator to help your customers work out how much contents cover they need.

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Includes useful phone numbers and the information your customer will need before they claim.