Frequently Asked Questions

Membership is being limited in the first phase to only 500. To be considered, please visit our Register Your Interest page, where you will be asked to fill in a short questionnaire, and upon receipt, we will be in touch.

To start with you, will benefit from the widest possible policy covers at the most competitive premium on the market. Your property will be surveyed and valued, (at no cost to you) and we will provide you with a plain english survey report and agree a way forward. NB Should our risk surveyors believe that the property would benefit from enhanced risk improvements – ARX Rural Re will contribute to these risk improvements. It’s our commitment to you and will be based on trust!

Cover can be written on a “first loss” basis. This is where we agree with underwriters and you that you will never suffer a full and catastrophic loss to your whole property and so we work out the “EML” (expected maximum loss) with our surveyors and arrive at a sum insured upon which the premium is based. This could be around 50% of the entire value at risk but each property is different and so any first loss sum insured will also be unique. NB. It is not appropriate for all properties and is at underwriters’ discretion.

Our premiums will be the most cost effective and affordable on the market. As each property is different and all premiums are calculated taking account of various factors including claims history, location, the physical layout of the property and what/any fire mitigation measures are in place. Once we have answers to most of the above we will be in a position to provide you with a quotation. The quotation will be subject to a risk and valuation survey but we can assume risk “subject to”.

We are working with a limited panel of brokers and if your broker is one of these, then we can work with them. If you don’t have a broker or they are not one of our approved distributors you will - to benefit from an ARX policy - have to deal directly with us.

Not at the moment. We are focusing our complete attention in providing a very attractive alternative buildings insurance policy only. Currently, there is no problem obtaining competitive contents covers in the market and so we are concentrating on buildings only where the problem exists.

We are working with the country’s most advanced suppliers and installers of these new leak detection systems. Great advances have been made over recent years and so no they are not intrusive, they take little time to fit and are now very reliable once they learn about your water/central heating system – ARX Rural Re will contribute to the costs of these leak detection systems.

You, your broker, or your representative are invited to note your interest.

We are working with a panel of UK and European insurers, mostly household names, who all have “A” rated status with the credit referencing agencies. As is normal, our panel of insurers will changefrom time to time as we ensure a competitive edge at all times.

Premiums can be paid “interest free” by monthly direct debit – So no additional cost to you.

We are a UK based company with offices in Edinburgh and London.

Yes, before you become a member, ring us during normal office hours and you will be able to speak to one of the team immediately. Once a member however we will be available to you 24/7.

If you have an insurance broker working for you, you can contact them or if, you would prefer, you can contact us directly either by telephone or email or via the website. If it’s an emergency dial 999 or we shall provide you with emergency contact details for plumbers, builders or electricians etc or with prior agreement we will be happy for you to work with your preferred contractor.