A separate Legal expenses policy including rent guarantee cover will be required and is subject to you having done a credit check on the prospective tenant, having taken two forms of indentification and obtained a written employers reference.

Cover will continue but after the number of days stated in the policy documents the property will be defined as unoccupied and the insurer will have to be notified.  The perils covered will be reduced to the cover mentioned in the policy documents.

Please call us with your new mortgage lenders details including the new mortgage account number or reference number so we can amend the details and provide you with a new schedule should your new mortgage lender require a copy.

Please call us to discuss the change in your circumstances so that we can check whether this will have any impact on the cover you have in place.

Please call us with the details of the purchases to check that you have adequate cover in place, or to arrange additional cover where required.

Renewal invitations are sent out around 21 days ahead of your renewal date.  If you have not received your renewal invitation within 10 days of your renewal date please call us on 01224 848111.

The amount refunded at the time of cancellation varies between insurers. The cancellation terms applying to the insurer we quote for you will be advised to you prior to you purchasing the cover. Details can also be found in the insurer Policy Document and Key Facts. A £30 broker cancellation fee will apply.  

If you are paying by instalments please be aware that sometimes you may not have paid enough to cover the time on risk and administration charges. In this event you will be asked to pay the remaining amount outstanding at the time of cancellation.

There will be no refund and the full premium will be payable if a claim has been made.

You have a 14 day right to withdraw.  If the policy is cancelled within the first 14 days you will be charged a pro-rata premium for the days you have been on cover, a £30 broker fee and any administration charges made by your insurer.  You will be informed of full details regarding cancellation and charges before purchasing a policy.  Information can also be found within our Terms of Business Agreement and the insurer Key Facts and policy booklet.

Please contact us on 01224 848111 or email This email address is being protected from spambots. You need JavaScript enabled to view it. so we can issue our cancellation documents for you to complete.  Alternatively you can write to us at the address below requesting cancellation of your policy, confirming the date and the reason for cancellation and enclosing your current schedule. Please note, we cannot back-date cancellation of your policy.

H&R Insurance
H&R House
Woodburn Road
Blackburn
Aberdeen
AB21 0PS

Please provide us with the renewal invitation from your previous insurer. Alternatively, provide us with the name and contact details of your previous insurer along with your policy number and we will try to obtain verbal confirmation of your entitlement on your behalf. If your insurers are unwilling to provide this to us we may ask you to contact them directly and request written evidence of your entitlement.