Businesses are constantly changing and therefore it's important to review your policy regularly and check if the cover is still relevant. For example taking on new employees, purchasing additional machinery or expanding your premises all might affect your insurance policy. If you're unsure if a change will affect your policy please don't hesitate to contact our team for advice.

It is important to find the right balance so that you're not left under insured, but at the same time not paying out for covers that are not required. By reviewing your business operation in full and where applicable visiting your premises, we are able to provide you with a detailed explanation of the insurance covers suitable to meet the requirements of your business.

H&R work with companies to advise on risk management strategies to reduce insurance premiums. We can give advice on how to evaluate the risks that clients face and explain how an effective risk management strategy can help reduce your insurance premium.

A tailored service for Private clients

For the more discerning individual who has significant personal assets to protect and expect a superior level of cover and service.

We have a dedicated team, offering a unique personalised service. A personal account handler will meet you to discuss your requirements, at a time and place convenient to you. We can provide access to experts who will advise you on security issues and give guidance on high value items as well as carrying out full property appraisals. These specialist policies can be extended to include cover for private cars, second or holiday homes and annual travel, all under one contract, all with one renewal date.

A Hold Harmless agreement can be specifically requested by companies who contract the services of your company. It means the company that hires you or your firm cannot be held responsible for any injuries, losses or damages that may be caused to you or your company.

Effectively the company are asking you to accept all risks that are associated with you carrying out your contract, and they will not be held legally or financially responsible.

Our advice about these agreements

You should only sign Hold Harmless Agreements where all contracting parties agree to provide the same Hold Harmless to each other and all parties to any contract.

Many companies that contract the services of your company will insist you have a Waiver of subrogation clause in your insurance policy. All Insurers have a right to recover the cost of a claim that is paid out when another party is responsible for some, or all of the claims. In the oil and gas sector you will most likely be required to have a clause in your policy whereby your Insurer 'waives' (agrees to not enforce) these rights.

Our advice about these agreements

You should only sign Waiver of Subrogation where all contracting parties agree to provide the same Waiver of Subrogation to each other and all parties to any contract.

Discounts can be given for tagging devices, immobilisers and trackers. In most circumstances you will be asked to provide proof that the security device you have declared is fitted to your motorcycle.

If you have successfully completed additional training on your motorcycle with bodies such as the Driving Standards Agency or the Institute of Advanced Motorists you may be entitled to a discount on your premium. Enter details of the scheme or contact us on 01224 848382 for details. If you are receiving a discount you will be required to provide evidence of the qualification.

Many insurers will give substantial discounts based on the length of ownership. This can be up to 20% if you have owned the motorcycle for four or more years.