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  • I would like to say that I have always found H&R Insurance swift and helpful when replying to my email enquiries and I greatly appreciate that. M Glover
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Fully Comprehensive
Fully Comprehensive

This is the widest form of cover. It covers you for accidental damage to your vehicle, loss of or damage to your vehicle as a result of fire or theft and your legal liability for motor accidents caused by you, including injuries to other people and damage to property.

Third Party, Fire and Theft
Third Party, Fire and Theft

This covers damage to, or loss of your vehicle as a result of fire or theft and cover for your legal liability for motor accidents caused by you, including injuries to other people and damage to property. There is no cover for your vehicle in respect of accidental damage.

Third Party Only
Third Party Only

This is the minimum level of cover available in the UK. It covers your legal liability for motor accidents caused by you, including injuries to other people and damage to property. It does not provide any cover for damage to, or loss of your vehicle.