Rainbow Contents Cover.
Our contents cover is flexible and wide-ranging and provides the level of cover you and your customers would expect from a leading insurer.
If your customer is unsure of the level of contents cover they require, you can help them calculate the value of their possessions using our interactive contents calculator.
Remember to remind your customers that they should insure their contents for what it would cost to replace them with new items, not their second-hand value.
What is covered?
The table below gives you an overview of what’s covered as standard under our contents insurance.
For full details of what is covered, please refer to the Rainbow key features or Rainbow policy booklet (PDF).
| What’s included? | Covered? | Selling point |
|---|---|---|
|
|
|
| Loss or damage caused by the main perils including fire, storms, floods, falling trees, theft, attempted theft, malicious acts of vandalism | ||
| Loss or damage caused by escape of water and leakage of oil | Ask your customer what would happen if their washing machine flooded their kitchen and hall? Would they be able to afford to replace their carpets? | |
| Accidental damage to computers, TVs and stereos. Cover for accidental damage to portable computers and portable televisions is no longer included as standard. If cover is required, your customer will need to insure their items under optional extended accidental damage or, if cover is also required away from the home, under the personal possessions section | ||
| High risk property like jewellery, pictures, works of arts, stamps and coin collections |
| |
| Cost of alternative accommodation should your customer need to temporarily move out of their home 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 the Cumbrian floods as an example where some people were forced to move out of their homes for long periods of time |
| Replacement locks and keys if your keys are stolen |
| Ask your customer what would happen if their handbag was stolen with their keys in and perhaps details of their address? They can install new locks up to £750 without worrying about the expense |
| Credit card cover if your customer should suffer a loss due to fraud |
| |
| Personal money in the home |
| |
| Freezer contents |
| |
| Plants in the garden (in pots and containers) |
| |
| Contents temporarily removed from the home |
| Do your customers have children that are students living away from the home? If so, they can cover their belongings under their own household insurance |
| Special events cover – a temporary increase in contents sum insured during the period of one month before and one month after a special event such as Christmas or a wedding |
| If your customer has done their Christmas shopping, it’s likely that there will be lots of presents in the home. What would happen if your customer suffered a burglary but their contents cover wasn’t enough to cover all the presents? |
For full details of limitations and exclusions, please refer to the Rainbow policy booklet (PDF).
What isn't covered?
- The first £100 of each claim (or in the event of escape of water, the first £250)
- Wear and tear
- If your customer’s home has been unoccupied for more than 60 days when the damage happens, we will not cover loss or damage caused by malicious acts, vandalism, theft, escape of water or leakage of oil.
- Money stolen from your customer’s home unless it was entered by force.
- Loss or damage caused by underground water.
For full details of limitations and exclusions, please refer to the Rainbow policy booklet (PDF).
Minimum standards of security
In certain circumstances (such as if your customer’s home is in a certain area), we will not cover their contents or personal possessions unless they meet our minimum standards of security. You can find details of these in the Rainbow key features (PDF).
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