Compare ARAG plc Home Insurance Quotes Against The Market

ARAG is part of the global ARAG Group, the largest family-owned enterprise in the German insurance industry. It is not a direct provider of standard buildings or contents insurance. ARAG is one of the UK’s leading specialists in insurance add-on products. They work behind the scenes with a massive network of independent brokers and major insurers like Ecclesiastical and Howden.

If you have ARAG on your home insurance policy, it means your core property risk is covered by a standard insurer, while ARAG provides your premium supplementary perks, such as Home Emergency Cover or Family Legal Protection.

You can get independent advice and a personalised quotes comparison (which can include comprehensive add-ons like those from ARAG) from one of our expert advisers below:

What type of home insurance do they provide?

ARAG does not underwrite the physical structure of your home or your everyday personal belongings. Instead, they provide the specialist 'bolt-on' products that turn a basic home insurance policy into a fully comprehensive safety net.

ARAG Home Emergency Cover

Designed to stop a minor crisis from turning into a disaster, this provides rapid, 24/7 assistance for sudden domestic incidents.

• Cover limits: Depending on the package your broker selects, limits usually range from £500 to £1,000 per emergency, covering call-out charges, labour, parts, and materials

• Scope: Covers complete failure of the primary heating system (boiler), burst pipes, blocked drains, internal electrical failures, and inoperable toilets

• Pest Control: Uniquely, their cover often includes vermin infestation (such as removing wasps, hornets, rats, and mice)

• Alternative Accommodation: If your home is left unsafe or uninhabitable, they will contribute towards hotel accommodation

ARAG Family Legal Solutions (Legal Expenses)

This provides massive financial backing and expert guidance if you need to pursue or defend a legal action.

• Cover limits: Typically covers legal costs and expenses up to £50,000 or £100,000

• Scope: Covers employment disputes (like unfair dismissal), consumer disputes (buying faulty goods), property infringement (like boundary disputes with neighbours), and HMRC tax investigations

• Extra Perks: Includes access to a 24/7 legal advice helpline, a confidential counselling helpline, and a smart portal to build and download legal documents (like wills or consumer dispute letters) for free

Core Buildings & Contents

To reiterate, ARAG does not provide cover for the physical structure of your home (Buildings) or your personal belongings (Contents) against fire, flood, or theft. Your broker will source this core risk from a panel of standard insurers.

How premiums are calculated

Because ARAG provides ancillary add-ons, the premium calculation is very straightforward:

• Flat-Rate Premiums: Add-ons like Home Emergency or Family Legal Solutions are typically sold at a flat annual rate (usually around £30 to £60 a year) rather than being dynamically priced based on your postcode or the age of your property

• Core Premium: The bulk of your home insurance cost will be calculated by the main underwriter (covering the buildings and contents risk), who will assess factors like your property's location, flood risk, and your personal claims history

Customer reviews

Because ARAG operates in a Business-to-Business (B2B) capacity, dealing with brokers and corporate partners rather than the general public, direct consumer reviews can sometimes reflect the broker rather than ARAG itself.

• Industry Reputation: Within the UK insurance industry, ARAG is highly regarded. They are a multi-award-winning legal expenses provider, known for their robust 24/7 infrastructure and extensive network of vetted contractors and solicitors

• Claims Handling: Consumers using ARAG’s legal helplines frequently praise the professionalism and clarity of the advice received. However, as with all legal expenses insurance, negative reviews occasionally arise when a claim is rejected due to the strict "51% prospect of success" legal rule

How to get an ARAG home insurance quote

You cannot go to the ARAG website and buy a retail policy directly as they are strictly a wholesale provider to the broker and corporate market. To benefit from ARAG's high-quality Home Emergency or Family Legal Protection products, you need to use an independent insurance broker or buy from a partner insurer. They will find the cheapest core buildings and contents policy for your home, and then add the ARAG products on top to make it fully comprehensive.

At Money Helpdesk, our home insurance experts can help you review your options and ensure you get the right blend of core cover and essential add-ons. If you are looking to arrange robust cover for your property, get in touch and we will present you with all of your best options.