H&R Insurance Motorcycle Insurance Reviews

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H&R Insurance Motorcycle Insurance
★★★☆☆
2.9
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Latest Reviews

“Do not use ”

★☆☆☆☆

written by BrendaTempleton on 15/02/2017

I changed my scooter 2 weeks before my policy was due for renewal. I took out a new policy for my new scooter with a different insurance company. When I contacted H & R to ask for my no claims certificate they said they would have to cancel my existing policy and charge me £40. I said I didn't want to cancel my policy - could they leave it to run ? (I had sold my old scooter so I wouldn't be claiming anything. They said no they had to cancel the policy. They charged me £10 in the end as a good will gesture. The actual policy for the year was £60.00 third party only. This also meant that I couldn't claim a years no claims as my policy had only run for 50 weeks. I thought the staff were very unreasonable and the person I spoke to was very condescending. I would never use them again. I wish I had read the reviews on this company before I used them.

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“Motorbike Insurance - Downhill lately”

★☆☆☆☆

written by carhire2015 on 02/06/2016

I've been insured with this company before without issue - experiencing helpful and friendly service. But the latest policy has gone bad and the service has been sub-par. Apparently I gave a wrong date for a recent claim and H&R were quick to point out this was solely my fault and responsibility and therefore there would be an extra £17 premium to pay - not much admittedly and I would have most likely paid, given my mistake. But on top of that I would be required to complete and sign a "non-dicsclosure" form explaining my reasons for supplying inaccurate information. The email communication throughout this was unhelpful and really impersonal - with no effort to come or go on this small error. Eventually I decided to cancel as I was getting concerned that a claim would be equally poorly handled. I was was told that would cost me £77 - 6 days into the policy. This situation could have been handled with some diplomacy, the small error corrected without fuss and the policy would have continued. Instead the customer service was hands off, accusatory and generally would not encourage me to use this company again. I don't see why I should give my hard earned money to a company which treats me like I tried to deliberately lie to them. Unhappy customer = no customer. What happened to your previous service?

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“As seen on tv”

★★☆☆☆

written by TobyCurtis on 27/08/2015

These are one of the so called rip off company's that charge £30 to change vehicles . Not even a stamp just an email ,that's ok but they have a web portal that you can do nothing with so you have to ring . Will not renew with them

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“CAR INSURANCE ”

★★☆☆☆

written by Bykerchyk on 15/05/2015

I switched to H&R for my car insurance and was asked for copies of my driving licence and the counterpart. I sent everything off and they took my payment. After several days they emailed that my counterpart did not match my licence and they would not release my documents until I sent the right one. When I looked I realised that when I had renewed my licence 3 years earlier I must have thrown away the wrong counterpart. Easily done as they look the same and the only difference is a small number on it that I had never noticed nor the one on my licence. I have never been asked for these details before and wish I had never switched to them now. In spite of the counterparts being discontinued and obsolete in three weeks time they still insisted on having it. This resulted in me having to buy a complete new licence from the DVLA adding a cost of £20 to the insurance fee. Therefore I have gained nothing from switching, and as a pensioner having to watch my spending is not satisfactory. They also put that I had passed my test in 1975 when I actually passed for a car in 1968 and a motorcycle in 1960. I certainly won't be insuring with them again for next year.

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“Hassle”

★☆☆☆☆

written by insurehassle on 18/03/2014

I admit that I normally purchase insurance direct on the insurance company web site and don't use brokers so the hassle in setting up may not be that abnormal. After setting up the policy I had to sent both prove of no claims and a copy of my driving licence which is annoying especially when you think you have completed your purchase on the web and given all the information they require at the time. The first I new about it was a letter saying the policy is going to be cancelled with an admin cost if the documents are not supplied in seven days. If there is anything missed on the the proposal even if it doesn't change the policy cost a £30 admin is charged ( exact dates etc.) If all the info is correct to there standards you may be ok otherwise it won't be a cheap policy and don't plan to move otherwise additional admin fees will be applied.

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“Absolutely shocking!”

★☆☆☆☆

written by deebo2513 on 10/03/2014

When I got a quote h&r were the best to go with but after three months I bought a new bike so obviously I rang to change my bike, to my shock when I spoke to them my insurance went up by just over £400! I asked why and they said its because of the bike? What a load of rubbish! Its a honda 125, not batmans motorbike!!! So as you can guess I told them I am going to cancell and they came up with some rubbish that I owed them money? I told them to get stuffed as there is nothing in the small print telling me I have to pay anymore than a one off payment of£30. I printed off all the reviews and told them I will seek further advice. Funnily after alot of shouting and telling them to do one I ended up only have to pay the cancellation fee. DO NOT USE H&R! You have been warned

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“Very good insurer”

★★★★☆

written by TwistedHelix on 17/01/2014

Have been with H&R for 2 years now and will be renewing in March hopefully 1st year went without a hitch. Signed up, paid the money, had a few issues with forms and sending things back, but it wasn't what I would consider a large or frustrating issue. It was resolved quickly, was trivial, and no additional charges were made. 2nd year I had a claim to experience. I was rear ended and pushed into oncoming traffic. The 3rd party admitted liability completely, so, not much detective work or fighting was needed on H&R's part. They logged the claim successfully and went smoothly. It was the insurance company itself with my bike and valuation that caused me no end of trouble. I phoned, emailed, and sent a letter, explaining I would be in Tenerife on holiday and to EMAIL me the price my bike was worth. Nothing for 2 weeks. I jet back home and find 4 letters saying the price (completely unreasonable) and that I had to reply soon or it would be forfeited. They had a stern email and phonecall with me copying all the evidence of me saying to EMAIL me because letters would be useless while I am on another continent. This was not H&R though, but equtity red star I believe as the company itself. However H&R use ERS so.... 2nd year I found a better price and they lowered it to match, with no fuss at all. My experience hasn't been perfect, but comparing it to some of the horror stories, they're pretty damn good. Also for those reading this thinking "every insurance company seems terrible" please remember, these companies have tens of thousands of customers, maybe even hundreds of thousands. So 20-30 bad reviews means nothing, as EVERY company will have some negative feedback. Also remember, what will make you review a company more, a bad experience or a good experience? Most reviews are negative because anger has incensed them to do everything in their power to show them up. When one recieves a great service, they just smile and use their bike and rarely think to support that company. I transferred to H&R after being with Lexham for a year. Lexham were TERRIBLE.

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“Awful Company”

★☆☆☆☆

written by on 04/11/2013

Bought a policy through Gocompare.com and after paying for the policy I get a letter on he 15th day saying that they need all this extra info (name and contact details of employer, any convictions or accidents in the last 5 years which I had already disclosed, my full name.... Also disclosed..... What I'll be using the bike for.... Also disclosed already.... How long I'd been riding ... Already disclosed, pretty much my whole policy again along with what my favourite colour is and how I like my eggs cooked in the mornings etc) and I have 7 days to return it or they are cancelling my policy....at a cost of course... What a hassle!! I ring to cancel and I'm now outside of 14 days so am subject to £100 of cancellation fees!? Also they can't cancel until they've had written confirmation so don't expect it to be done instantly. Terrible experience.

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“Excellent Customer Service”

★★★★★

written by rooh on 30/09/2013

I've been with them for a couple of years now, never an issue. Every time I call them I get someone in the UK who tells me exactly what I want to know. I've changed bikes on my policy with no issue. Costs have been low for me also. Highly recommended.

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“Cheap for fast bikes”

★★★★☆

written by on 20/08/2013

I myself own a Kawasaki 250r and was previously with another insurer. I had initially wished to stay with said insurer but the quote I had was ridiculous. I found the quote with this company to be very reasonable (around the £60 mark) for TPFT after 1 month of riding and £72 for comprehensive. They are very prompt. The only issue I have with them which stops them getting five stars is how they like everything done on paper - even cancellations. Overall they are worth a shot if you are looking for a company that won't mess you around (as far as I can tell) but they do have smaller 'bolt-on' style costs which you can purchase.

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“Dreadfull ”

★☆☆☆☆

written by on 28/06/2013

Quotes always come up very cheap with them on various websites but after you pay your deposit it is all down hill. My policy ended up being raised after the 14 day period by 40% this was due to them changing a conviction date by 2DAYS!! Customer service was shockingly bad and very snotty. Would advise anyone to stay clear of this company.... God only knows what they would be like if you had to make a claim

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“Beware. ”

★☆☆☆☆

written by on 03/04/2013

WARNING!!! They give best quotes on gocompare ect - because you WILL pay most expensive price. First: You will pay deposit. Second: after 14 days (where you got no chance to cancel) they will ask you for documents. Well. Their website admin (no name shown) will send you informations. And now the best. After you sign the Proposal form their show begins: Third: They will ask you question that answer will be wrong so your policy will go up at least 2 times. Fourth: You send them a letter - they will ask you for proof that you do not lie. Fifth: Whatever you have sent them is fake for them. Sixth: You will cancel the policy being charged. How do they make money: You pay deposit, they insure your vehicle for ONLY 1 month. They double or tripple premium and then they charge you for cancellation fee but calculated on new higher premium. You got no insurance and no money that you could spend for a year in real insurer. Simple.

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“H&R Useless”

★☆☆☆☆

written by mrgasgas on 17/12/2012

Like dealing with a broker 30 years ago, slow, lots of letters, argued over my documented no claims!! Stick with a decent modern insurer like Bennetts etc.

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“Persistent price raise”

★☆☆☆☆

written by on 23/11/2012

Since starting my policy 3 months ago they have more than doubled the initial figure.

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“won't use them again”

★☆☆☆☆

written by Sammy2013 on 06/10/2012

The insurance started off cheap. But now they're charging me an extra £18 because the bike's in the house and not in a garage. They'd previously charged me £30 for a policy change. That's why I'm here, looking at other's people's opinions. My opinion is that they draw you in with a cheap quote, and then start adding things on. I won't use them again.

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“my price went up by £509! ”

★☆☆☆☆

written by on 08/09/2012

Insured with H&R, my price has gone up by £509 and I had earnt another years no claims bonus. Lady on the phone said, well thats just insurance for you.....nice!

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“My go-to guys for bike insurance”

★★★★★

written by eldaifo on 21/01/2012

I've used H&R on and off, depending on the price, for the last ten years or so. Over that time they've gradually become my default for bike insurance. Unless another broker can significantly beat their quote, they get the business. They're friendly, responsive, reasonably priced and have usually come up trumps when nobody else could. They seem willing to help too, even after the sale, which sets them apart from too many others I've dealt with. I've never needed to make a claim through them, but since that gets passed through to the underwriter anyway it's not really that relevant. Short version, if you want a friendly, helpful broker, they may well be what you're looking for.

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“still waiting for money ”

★☆☆☆☆

written by on 14/12/2011

got my bike stolen bad enuff waiting 4 month for 300 $ pay out poor poor h8te this company losers all the way robbing gets.. thay lied to me sayin thay sent a check out i rang and then thay sed thay never lyers and robbers do not go with them....

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“Nice to talk to a friendly person who is willing to help”

★★★★★

written by lookingforsanity on 02/11/2011

After a nightmare situation with eBike I called H&R because they had good reviews on this site. What a pleasant surprise to talk to someone who was actually helpful and friendly. She even offered to call my son's old insurer to get proof of no claims from them. eBike did nothing but cause us grief. We did have to pay a little extra for the H&R policy but believe me it is so worth it. God knows what it would have been like if my son actually had to make a claim with eBike, when they wouldn't even help with the simplest of queries. And eBike charges £1.02 per minute just to talk to them. Ludicrous. Don't be lulled into a false economy with low insurance premiums, because the countless hours I wasted corresponding with eBike far outweighed the little bit extra we are paying with H&R.

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“Spot on in every way...Great for new riders and learners.”

★★★★★

written by r1bla on 25/08/2011

I'm now half way through my second year with H&R. Took out my first policy with them about a month before passing my test, insured my bike and allowed to learn on it providing I passed my test within 30 days of starting the policy. Very competitive price I thought, I was 25, full UK car licence, previous ban for totting up, on a GSX 1400 for just over £600. Now in my second year and thats almost halfed to £330. Really friendly, smooth operators, never made a claim, and hope not to, but I'd imagine they'll handle that well too, cannot fault H&R...I've recomended 2 people, my brother in-law who has just passed his test, 26 on a brand new Victory Hammer, £550!!! and my friend on his CG 125...Neither of them could find cheaper or a better company to talk to. Thank you H&R...

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