A garage is a building of brick or stone construction with a secure, lockable door, located at the home address and only accessible by the policyholder and those living at the policyholder’s home address.

Some insurers do offer garaging discounts for other types of buildings (ie. wooden construction, shared garages, garden sheds) or for motorcycles that are garaged away from the home address. To check whether you are entitled to a garaging discount please contact us to discuss further on 01224 848382

Please note that underground secure car parks do not qualify for a garaging discount. Please select 'driveway’ when entering your details.

During office hours please call our Claims department on 01224 848388 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it..

Outwith office hours your call will be answered by our manned messaging service. Your details will be passed to us and we will return your call at the earliest opportunity.

If you have an emergency outwith office hours contact the emergency claim number in your policy booklet to receive advice on what to do next. If you cannot find the number you must deal with the situation as best you can in order to minimise damage and safeguard your property.

If the damage is covered by your policy you should be able to recover the cost of emergency repairs carried out, less your excess. Damaged items should be kept so that they are available for inspection if required.

During office hours please call our Claims department on 01224 848388 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it..

Outwith office hours your call will be answered by our manned messaging service. Your details will be passed to us and we will return your call at the earliest opportunity.

If you have an emergency outwith office hours contact the emergency claim number in your policy booklet to receive advice on what to do next. If you cannot find the number you must deal with the situation as best you can in order to minimise damage and safeguard your family. 

If the damage is covered by your policy you should be able to recover the cost of emergency repairs carried out, less your excess. Damaged items should be kept so that they are available for inspection if required.

Although I have not needed to claim I have been happy with your professional and polite approach towards me as a customer.

D Clements

I would just like to congratulate H&R Insurance on providing me with the best insurance service I have ever received.  When originally signing up for motorcycle insurance online, I found the pricing competitive and the process simple - most importantly there were no hidden fees, which has previously been a problem with car insurance providers.

Unfortunately, my motorbike had an engine failure and I could not afford to repair it, meaning that I had to cancel my policy.  I was NOT kept on hold for many minutes, I WAS greeted by a friendly customer service representative, and my policy WAS cancelled in a timely manner without any issues whatsoever.

Thanks again for an impeccable service.

V Bowen

Goods Vehical FAQ's

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LET Property FAQ's

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Aenean nisl nibh, sagittis at mollis sit amet, dictum vitae neque.

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Offshore Liability FAQ's

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Your business is your livelihood and having the correct insurance in place can reduce the financial impact of incidents outwith your control and allow the peace of mind that should the worst happen you will have the assistance at hand to get you back up and running again.

Certain types of Insurance such as Employers Liability insurance and vehicle insurance may be required by Law.

We can advise you on an Insurance programme that will meet both your Legal requirements and the need to protect your business that provides your livelihood.

Building and Contents FAQ's

Proin quis euismod libero. Aliquam vel diam eu ligula luctus sagittis. Aenean massa eros, interdum sit amet faucibus consequat, hendrerit et massa. Nam rutrum vehicula tellus id varius. In tempus commodo elit, porttitor ornare ipsum pulvinar porttitor.

Aenean nisl nibh, sagittis at mollis sit amet, dictum vitae neque.

Curabitur ullamcorper pulvinar enim quis tempus. Donec ultricies elementum enim sed accumsan. Duis aliquam, sapien aliquet pellentesque fringilla, purus urna dignissim nibh, vel sagittis lorem nunc at erat. Praesent varius varius metus pellentesque ornare.

Phasellus egestas auctor mauris, nec vulputate eros molestie a.

Integer pellentesque, lacus elementum vestibulum semper, lectus mi rhoncus odio, eget commodo enim arcu sed diam. Nulla convallis massa ut ante sodales id iaculis felis malesuada. Donec sagittis luctus magna placerat pretium. Donec pharetra velit nec arcu aliquet imperdiet. Ut ante eros, imperdiet id egestas nec, volutpat at sem.