Rebuild Cost Assessment

At Dixons we always believe in delivering value to our customers. One of the biggest factors in Property Owners insurance is the rebuild value and the risk of under insurance. Buildings should always be insured for the amount it would cost to rebuild them. However, fewer than one in ten commercial properties in the UK are covered correctly.

If you are over-insured you are probably paying too much for your buildings insurance. If you are underinsured, you face a reduced payout in the event of a claim. Insurance claims can be reduced by hundreds of thousands of pounds due to under-insurance.

Rebuild Cost Assessment Service

Getting someone to visit your property to carry out a professional assessment can be time-consuming and very expensive. However, thanks to our
partnership with we can offer you a reliable low-cost service from a ‘Regulated by RICS’ (Royal Institution of Chartered Surveyors) organisation.

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As a partner broker we have negotiated the following rates for our clients:

  • Household RCA report (per property) £185 Including VAT and arrangement fee
  • Commercial RCA report (per property) £185 Including VAT and arrangement fee

You’ll receive a comprehensive Rebuild Cost Assessment (RCA) report guiding you on how much you should insure your buildings for. This is a fantastic and affordable online service which can protect your organisation from the potentially severe consequences of underinsurance.


Will the assessment tell me if I am underinsured?

The Rebuild Cost Assessment report is designed to advise you if the cost to rebuild your property from scratch. The report also provides information on how we arrive at our final assessment.

How long will the assessment take?

The Assessment should take between 3-6 working days from the acknowledgment of order. However, this is a guide only and some assessments may be completed sooner. If it appears an assessment may take longer than stipulated, we will contact you and advise you accordingly.

Does the assessment take all units/outbuildings into account or are these considered as separate properties?

Yes, the assessment will include all units/outbuildings within the boundaries of your property, they will be separately recorded. If on receipt of the report a unit/outbuilding has not been recorded, please notify us immediately.

Google street maps does not show an up-to-date image of my property, will this affect my assessment?

We use a number of different sources to gather the information required to complete your Rebuild Cost Assessment report. Our assessment does not rely on any one piece of information.

I am currently having building works completed on my property. Can you complete the assessment to indicate rebuild costs for completed works?

Part of the assessment is a review of planning applications and these will be taken into consideration. However, we are aware that not all building work is subject to planning. If you have had any recent development of this nature, you should contact us and make us aware of this prior to the Rebuild Cost Assessment.

Once I have paid for the Rebuild Cost Assessment, what is the next step?

You should receive an email confirming receipt of payment and acknowledging your order. If you do not receive an email from us, please contact us. You will then receive notifications updating you on the status of your assessment. You should receive your Rebuild Cost Assessment report within 3-6 working days.

Will I need to supply any further information?

From time to time there may be a need for further information and if so one of our Advisers will contact you.

Is the information on my property shared with anyone else?

We will not share the findings of your Rebuild Cost Assessment report with any other parties, unless you give us written permission to do so.  Please refer to our Privacy Policy and Terms and Conditions.

What happens if I input the wrong address details?

It is important you take the time to enter the full address of the property you wish to be assessed correctly, including the postcode. However, if we believe the details provided are incorrect in any way, one of our Advisers will attempt to contact you to clarify. Unfortunately, we cannot accept responsibility for any errors made by you when inputting your details.

How can I be sure that the information you use to complete the RCA is up-to-date?

All our Rebuild Cost Assessment reports are quality assured prior to release by a member of our experienced team. The team have access to up to date rebuilding cost data available to guide them such as that of the Building Cost Information Service compiled and maintained by the Royal Institution of Chartered Surveyors.

How much does a face-to-face survey cost?

The cost of an on-site Rebuild Cost Assessment depends on several factors, including the location and type of property involved. This means we only offer individual quotations per property for site assessments. Should you request a site assessment, or should we be unable to complete a desktop assessment without visiting your property, we will contact you to discuss your needs and provide a quotation, which will include appropriate terms and conditions for your consideration and acceptance.

What exactly do I get for my money? Is there a report?

The whole purpose of our service is to supply you with a comprehensive Rebuild Cost Assessment report, which you can then use to help you determine an adequate level of insurance cover for your property. Our report provides a full breakdown of all calculations leading to our Rebuild Cost Assessment of your property and will also include building measurement, pictures and maps. We provide a sample report on our website, you can find it here.

How long is your Rebuild Cost Assessment valid for? What about inflation, for example?

Our Rebuild Cost Assessment is valid at the time of the assessment. Making provision for inflation or the Retail Price Index (RPI), will normally be part of your insurance arrangement. However the inflation provision can take many forms, you will need to check this with your insurance broker or insurer. It is your responsibility to ensure you arrange adequate levels of cover for your buildings on an ongoing basis. Should you make any significant changes to your property that you believe could affect the Rebuild Cost, e.g. an extension, mezzanine floor or new outbuilding then again you should contact your insurance broker or insurer, who may recommend you obtain a revised Rebuild Cost Assessment. Within the assessment, we make recommendations with respect to the frequency of the assessment which will often depend on the complexity of the property.

How will your Rebuild Cost Assessment affect my insurance premium?

This all depends upon the findings of our Rebuild Cost Assessment and the subsequent action you choose to take. For example, if our Rebuild Cost Assessment indicates you have insured your property by too much, you may be able to reduce the sums insured on your property, which in turn could lead to a lower premium. Conversely, if our Rebuild Cost Assessment indicates you have not insured your property for enough, you may need to increase the sums insured on your property, which in turn could lead to a higher premium. It is important to remember that the potential financial impact of being underinsured could be severe in the event of a claim. We always recommend you discuss the findings of our Rebuild Cost Assessment with your insurance broker or insurer.

Why should I pay for a Rebuild Cost Assessment? Is this not my broker’s or insurer’s responsibility?

Responsibility for setting the correct sums insured on buildings always rests with the policyholder. Insurance brokers and insurers are experts in offering and providing insurance, not in assessing the Rebuild Cost of properties.

Does your desktop assessment take into account the materials my building is made from?

The notes within the report clearly set out what is and isn’t included, you can check these in advance by reviewing the ‘Assessment notes’ here.




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