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.
Who is H&R Insurance?
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.
What are H&R Insurance’s levels of cover?
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.
This is the greatest level of cover on offer and will provide the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive cover, as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.
What is covered under my H&R Insurance policy?
|Cover benefits||Third party||Third party, fire and theft||Comprehensive|
|Liability to other people and property||✓||✓||✓|
|Fire and theft||✓||✓|
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:
- Breakdown cover
- Legal protection cover
- Excess cover
What policy exclusions are there?
Any cover arranged through H&R Insurance is likely to become invalid if any of the following arises:
- You are paid to carry passengers.
- You fail to pay for your premium.
- Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
- Your car is used for rallies, races or competitions.
- You change your car during the policy term to a car that the insurer cannot cover.
- You do not provide the correct documents to support your application.
Check your policy for further details to confirm your cover is valid.
How do I make a claim?
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: email@example.com.
H&R Insurance recommends you have the following to hand when you make a claim:
- Your details and personal contact details.
- Details about the incident such as date and time.
- Details about the damage to your car and whether it is driveable.
- Details of all third parties and their passengers involved in the incident.
- Details of all passengers in your car and any witnesses of the incident.
- Crime reference number, if relevant.
- Name and details of the police officer in attendance.
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.
What is my excess?
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.
H&R Insurance customer reviews
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.)
H&R Insurance pros and cons
- Car cover for a range of budgets.
- A range of optional extras to enhance cover.
As a broker, the company scours its panel of insurers for a policy it thinks is the best fit for you. Levels of cover and benefits will differ between policies but H & R says most of them provide a courtesy car and European cover as standard. The fact that the claims line isn’t 24/7 is a drawback and could prove inconvenient, however.
If you have read this review and decided that H & R car insurance is not for you, you can also compare other car insurance policies on the market.
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