You will receive notification at least 14 days ahead of renewal date if your policy is being automatically renewed.

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 848112.

Please contact us on 01224 848112 if you have purchased a replacement vehicle - it is often more cost effective to do a change of vehicle rather than cancel your policy and start up a new one.

If you are not purchasing a replacement vehicle or you've decided to put your vehicle off the road, please contact us on 01224 848112 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 that your vehicle has been sold and enclosing your current certificate or cover-note. Please note, we cannot back-date cancellation of your policy.

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

You may have had a claim or you may not have paid enough money to cover the time your policy has been in force. Please call us on 01224 848112 if you are unsure.

There will be no refund and the full premium will be payable if a claim has been made, or is outstanding on your policy.

Individual insurer charges are displayed in the insurer key facts and/or policy booklet and our broker fee is detailed on our terms of business. A refund is dependent on how long your policy has been running and if you are paying by instalments or if you have paid in full.

If you are paying by instalments please be aware that sometimes you may not have paid enough to cover the time on risk and admin charges.

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 and any administration charges made by your insurer together with a £30 broker fee. You will be informed of full details regarding cancellation and charges when incepting a policy. Information on this can be found within our terms of business agreement and the insurer key facts and policy booklet.

Please contact us on 01224 848112 or 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 certificate or covernote. Please note, we cannot back-date cancellation of your policy.

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

You must disclose all accidents, incidents and thefts even when no claim was made. Insurers check various databases as part of their validation process and discovery of a previously undisclosed incident may invalidate your policy.

A Fault Claim is an accident or loss where you are considered to be to blame, or where your insurance company cannot recover their costs in full from someone else. Claims made for loss due to fire or theft, damage caused by an unknown or uninsured driver and vandalism claims must be recorded as 'Fault' claims.

A 'Non Fault Claim' is a claim where you or your insurer has been successful in recovering all costs associated with the claim from the responsible party.

Please note, claims that are likely to be settled 'Non Fault' but which are still pending at policy commencement or renewal will be recorded as 'Fault Claims' until such times as all costs have been recovered.

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.

Please be aware that no claims bonus must have been earned within the last 2 years on a policy held in your own name in the UK.