Rhino Home Protect Reviews 

I took out Rhino Home Buyers Protection Insurance for peace of mind, believing it would cover out-of-pocket conveyancing and survey fees if a transaction fell through through no fault of my own.

When the purchase collapsed due to major undisclosed structural defects, lack of statutory building regularisation, and seller withdrawal, making a claim was an exercise in frustration. The policy is engineered with so many narrow exclusions, technical hurdles, and unhelpful claim requirements that they will look for every conceivable reason to avoid paying out.

It is easy to buy online and gives a false sense of security, but when you genuinely suffer financial loss and need the cover, you are left completely stranded. Save your money; it offered zero protection when it actually mattered.

My claim was approved.

However, Every week got new email to ask for different things. Standard insurance asking for everything under the sun.

3 stars because of how nerve racking it is.

We purchased this home buyer insurance to get protected in case the sale didn't complete.
The seller pulled out after a few weeks unfortunately.
The insurance asked me a ton of documentation and stalled the process for some time (hence only 4 stars), but eventually they paid.

0/5 stars – Avoid. This policy is designed to make claiming as difficult as possible.
I took out this insurance specifically to protect against a house purchase falling through which is exactly what happened. When I made a claim, it was rejected on a technicality: the policy was linked to the address of an earlier property I'd been interested in, rather than the one I was actually buying when things went wrong.
They pointed to obscure wording about exact timing when your offer is accepted relative to when you buy the policy that most ordinary buyers would never think to check, let alone understand the implications of. It feels less like a genuine safety net and more like a policy engineered with loopholes that let them deny claims that should clearly be covered.
If you're thinking about buying this for peace of mind during a house purchase don't bother. Save your money, because when you actually need to claim, there's a good chance you'll find some small print reason why you don't qualify. Based on my experience, I would not recommend this company to anyone. ZERO STARS

Before you buy Rhino home seller’s insurance make sure that you read and understand exactly what is covered, and more to the point what is not covered. The events that are covered are very narrow and limited to events such as the buyer dying, the buyer falling terminally ill or the buyers relocation being cancelled by their employer.
Normal everyday events that cause a buyer to pull out such as mortgage not being approved, getting cold feet, finding another property they prefer more or the chain collapsing are not covered. Our buyer simply changed their mind and we found ourselves £1200 out of pocket because the insurance refused the claim.
If you’re going to buy this insurance just make sure you understand exactly what is and isn’t covered, and be aware of the extremely limited number of events that are actually covered. We got burnt, make sure you don’t make the same mistake.

I bought Home Buyers Protection cover and claimed after my purchase
collapsed. The sale needed a price renegotiation because a survey I
commissioned found the property unsuitable for lending; when the
vendor wouldn't renegotiate, the purchase fell through. The same
property later completed with a different buyer at £245,000 — below
the figure I had originally agreed — which to me showed the survey
concerns were real and my revised offer reflected genuine value, not
an attempt to chisel the seller.

My claim was declined under an exclusion for a "reduced offer leading
to a failed purchase." I accept an insurer's right to interpret its
own policy. What I'd want other buyers to know is the process around
it. Additional evidence I submitted was "forwarded for consideration"
but never separately answered. It was also hard to tell where the
claims decision ended and the complaint-handler's role began, so
accountability was difficult to pin down.

If you're considering this cover: keep meticulous records, get every
decision and timescale in writing, and note the six-month Financial
Ombudsman deadline that runs from any final response. I found both the
outcome and the handling disappointing.

Refused a blatantly clear insurance payout. Currently having to contact ombudsmen to resolve

Very restrictive in terms of when to buy insurance - make sure you double check if you could qualify before even buying it. horrible customer line service, zero patience, almost hanging up to customers

Don’t bother, it’s a scam - I doubt they ever pay out to anyone.

Our seller pulled out after we told them our survey had raised some queries and could we discuss. Rhino rejected our claim because apparently us telling the seller we’d had a survey was us ‘adversely influencing’ them to pull out.

We are going to dispute the decision but will probably have to go to the ombudsman as I doubt Rhino will budge.

Be very careful with these two companies.

Please read my recommendation carefully regarding when to buy with them and when not to.

If the bank gives you a free valuation (do not buy), as most banks only do an internal assessment and won't send you the document they'll ask for (and they know this and take advantage of it).

If you pay for your bank's valuation: then you can buy the policy, as you'll have the evidence to back up that the valuation was low.

I purchased Home Buyers Protection Insurance from HomeOwners Alliance , who work in conjunction with Rhino Protect Insurance, Legal Claims Department, Windsor House, Troon Way Business Centre, Humberstone Lane, Thurmaston, Leicester, LE4 9HA

I began the processing of the indemnity claim submitted on my behalf on May 27, 2025, at 11:38 a.m. It has now been almost a month, and despite multiple attempts to communicate with this company since the aforementioned date, I, Mr. Germán Alfonso Cepeda Pérez, have still not received a verdict or the timely payment of the indemnity for which this policy was specifically contracted. I only receive emails stating that they are still studying my case. All requested evidence has been duly submitted, clearly demonstrating my entitlement as the policyholder to the said indemnity.

As you can see, the handling of this matter is disastrous and a constant mockery, clearly designed to avoid paying the indemnity.

Waste of money and time. Bought home buyers insurance and found out the property I was going to buy had 99.99% of damp present and would require the kitchen and boiler to be removed for several months while the walls dry out and get damp proofed. In Rhino Insurances final decision, they lied and said I already knew the damp existed and once I found out the kitchen and boiler would need to be replaced, I pulled out. This is a complete lie and I attached all evidence and communication supporting my claim, so I wouldn’t bother picking them as an insurance company, they twist your words and leave you stressed in an already stressful situation.

AVOID HOME SELLERS PROTECTION! They only pay out on a certain small criteria if your buyer pulls out, such as the buyer being given notice of redundancy, or the buyers relocation not completing, etc. If the buyer themselves fails to get a mortgage, or decides not to progress the transaction, Rhino will not pay out. Ultimately, they haven't protected me. Instead, they took money from me upon selling the policy and failed to reimburse any costs incurred. Their policy is not worth a penny. Avoid.

Rating: ⭐⭐☆☆☆ (or adjust the stars based on your experience)
Title: Lack of Acknowledgment and Concerns from Reviews

I contacted AIG Insurance for legal assistance and was directed to Rhino Protect Ltd. They promptly sent an application form requiring extensive details, which I filled out and returned immediately. However, it's been over a week, and I have yet to receive any acknowledgment of receipt.

Looking into Trustpilot reviews has made me feel quite pessimistic about the company's reliability. This lack of communication only adds to my concerns. I hope Rhino Protect will prove they are good at their Job .

I will update this review based on how the situation progresses.

Update: after sending the last required document we received an email that now we need to wait for the decision, having everything on file. We will see. I updated from 1 star to 3 stars at the moment because the claiming process was stressful. Original review: In the process of claiming as first time buyers. We have a good reason for claiming stated in the terms of condition, though they keep wanting more and more evidence, more documents even though they have a lot of them that prove we are entitled to our money. I don’t understand why they can’t just pick up the phone and contact the estate agent to get the seller’s solicitors details and double-check the reason why they withdrew the property from the sale. That reason is clearly stated with the house address in a written email that we have received from the agent. Having spent over £2000 in 5 weeks on solicitors, broker, survey+ the £79 insurance, being so happy that we will at least get some money back from the insurance. Also they usually wait until the end of the day and the end of the week to make you aware of the extra needed proof.I will update this review accordingly after the end result. My stress levels are through the roof so please think twice before buying.