Frequently Asked Questions

  • ARX Rural are a dedicated wholesale placing broker with exclusive access to a new insurer, ARX Rural Risks (Guernsey) Limited.

  • Yes, ARX Rural (a trading name of Charlotte Square Insurance Brokers Limited) is authorised and regulated as a wholesale insurance broker by the FCA under reference number 460973.

  • We ask all potential members to complete our Register Your Interest form, which asks a few qualifying questions regarding your property and your retail broker. Our team will then review and reach out to your broker to coordinate a quote if the details shared align with our entry requirements.

  • We recognise that the preservation of historic houses presents unique challenges and associated costs. Therefore, we offer more than just insurance; our membership benefits include contributions toward risk improvement, advisory services on health and safety, consultations on fine art and valuable collections management, and access to a selection of preferred suppliers with expertise in these types of properties.

  • You will always be able to communicate with our team. However, to obtain an initial quote, we need to work through your existing insurance broker. This means there is no need to move away from those that you already trust.

  • Building cover is placed with ARX Rural Risk (Guernsey) Limited, which is supported by a panel of leading UK-domiciled A-rated reinsurers who cover between 80-95% of the risk insured.

    Property Owners Liability cover is underwritten by Brit Syndicates Limited, a UK-domiciled insurer – also A-rated.

  • At the moment, the insurers we have access to offer Buildings and Property Owners Liability cover. Your existing broker will support with quotes from alternative sources to cover these elements.

    It is our plan to add these covers in due course, be sure to Register your Interest to keep updated.

  • Yes. Our team work incredibly hard to deliver exceptional service. The foundation of which is good communication.

    You can reach us via email or phone.

  • The Financial Services Compensation Scheme (FSCS) generally applies only where the insurer (or relevant firm) is authorised in the United Kingdom by the PRA and or FCA for the activity in question. As this quotation is placed with a Guernsey-based insurer regulated by the GFSC, FSCS protection does not apply to this policy.

    However, even where a policy is placed with a UK-authorised insurer, FSCS eligibility is not guaranteed: FSCS compensation is primarily designed for private individuals and certain categories of smaller organisations, and larger corporate and institutional property owners generally fall outside the eligibility criteria.

  • The incumbent UK insurers with an appetite for these types of properties do not seem to have the focus on restoring fairness to custodians as much as ARX Rural Risks. It has been founded on the basis of solving the problem that exists.

    The insurer is overseen by the Guernsey Financial Services Commission (GFSC) and is a regulated entity that must meet equally strict criteria to those of the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA) here in the UK. Such as demonstrating their solvency in order to meet all claim obligations.

    Guernsey, as a domicile, has been given an “A-“ rating from AM Best – demonstrating the strength of its financial regulation and oversight of such insurers.

  • This is a pre-agreed set limit which covers only a portion of the total sum insured for the property.

    The minimum level of First Loss cover available is 35% of the full reinstatement sum insured.

  • We have team members who cover the length and breadth of the country.

    Based predominantly between London and Edinburgh.

  • Please contact your broker in the first instance. Our team are always on hand to support any claim notification.

    • Reinstatement sum insured of £15 million and above.

    • Main residence or occupied by live-in staff.

    • Unoccupied for no more than 60 consecutive days.

    • Low to no claims.

    • Adequate fire alarm system.

    • Rebuild valuation within the last 3 years.

    • Lightning Protection System (if appropriate).

    • Within 60 minutes of Fire Brigade.

    • Properties that have strong maintenance practices/ programmes in place that can be evidenced (e.g. EICRs, Chimney Sweeps, etc.).

    • No History of Flooding or Subsidence.

    • No Planned or Ongoing Contract Works - in excess of £200k

  • Service is at the heart of everything we do. Led by a team of insurance professionals with decades of experience in this market, we understand the importance of providing a concierge-level of service that is personal, consistent and reliable.

    You can find out more about the expertise and leadership behind ARX Rural by visiting our Meet the Team page.

  • ARX Rural Risks are committed to providing financial support for necessary risk improvement measures. This is discretionary and will be assessed on a case-by-case basis. This is unlike any other insurer.