Our buildings cover gives your customer peace of mind against loss or damage caused by the major risks such as fire, theft, subsidence and flood.
The table below gives you an overview of what’s covered as standard under our buildings insurance.
|What’s included?||Covered?||Selling point|
Rebuilding cost cover
|Loss or damage caused by fire, storms, floods, falling trees, theft, attempted theft, malicious acts of vandalism|
|Loss or damage caused by subsidence, heave or landslip|
|Cost of alternative accommodation should your customers home becomes uninhabitable due to an insured event||Ask your customer what would happen if their home was flooded and uninhabitable? Could they afford to pay for somewhere else to live? Use recent floods as an example where some people have been forced to move out of their homes.|
|Accidental damage to underground pipes and cables serving your home|
|Trace and access cover – covers the cost of tracing leaked water and oil and repairing damage caused by the investigations||What would happen if your customer had a leak but didn’t know where it was coming from and had to tear down a wall or ceiling? Rainbow would cover the cost of any damage caused when trying to find the leak.|
|24 hour domestic emergency helpline||If your customer has a blocked drain or burst pipe, we will locate the nearest tradesman and advise costs..|
|Legal helpline – for expert advice on all kinds of domestic legal problems, your customer can call our 24 hour helpline.|
|Home emergency cover – for call out charges and parts for certain emergency repairs||A home emergency such as a burst pipe or break in can be stressful experience, knowing that they will be covered for up to £500 should they have to call out a tradesman can provide your customers some peace of mind.|
These are only a few of the limitations and exclusions that apply. For details of what is and isn’t covered, please refer to the Rainbow Policy Summary (QGI6438) 03/17 PDF: 222KB and Rainbow Policy Booklet (QGI6390) PDF: 332KB