H&R Insurance car insurance review
Our analysis of the car insurance on offer through H&R Insurance will help you decide if it's right for you.

H&R Insurance is a broker that says it uses over 40 years’ experience to help you track down great car cover at an affordable price. It offers optional extras to enhance policies, too. Here’s what you need to know.
H&R Insurance is a broker that’s been going since 1972. As well as offering car insurance, H&R Insurance offers motorcycle, taxi, home and commercial cover amongst other products.
Third party.
Third party cover is the minimum level of cover that is offered by H&R Insurance. All drivers are legally required to have at least third party car insurance to be on the UK roads. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. You won’t be protected for any damage to your own car. And don’t assume this is the cheapest option because it offers the least protection. Sometimes, this cover may work out more expensive than comprehensive. Check each cover level to see which offers the best value for you.
Third party, fire and theft. You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.
Cover benefits | Third party | Third party, fire and theft | Comprehensive |
---|---|---|---|
Liability to other people and property | ✓ | ✓ | ✓ |
Fire and theft | ✓ | ✓ | |
Accidental damage | ✓ |
Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through H&R Insurance.
Check your policy details carefully to ensure you have the right cover for your needs.
H&R Insurance offers extras that can be added to a car insurance policy. These include:
Any cover arranged through H&R Insurance is likely to become invalid if any of the following arises:
Check your policy for further details to confirm your cover is valid.
H&R Insurance has a claims department that you can call on 01224 848 388. This line is open Monday – Friday 9.00am – 5.00pm. If you need to report a claim outside of these hours, you will need to leave a message in order for a representative to return your call at the earliest opportunity. Alternatively, you can email your claim to the following email address: claims@hrinsure.co.uk.
H&R Insurance recommends you have the following to hand when you make a claim:
You’ll need to have your insurance policy details as well as all facts about the incident to hand.
It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.
Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
Meanwhile, a compulsory excess amount might vary depending on the age of your car and your driving experience.
You’ll find details about any compulsory or voluntary excesses in your policy document.
There are no reviews for the company on the platform Trustpilot. There are some reviews on the Review Centre site, but they’re several years’ old; there’s a fairly even split between positive and negative reviews. (Last updated: July 2021.)
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