As HGR Insurance Brokers are an independent firm of insurance brokers, we have access to a large number of insurers and schemes, utilising the latest in computer technology to choose the most suitable product.

Fully Comprehensive - Covers Accidental Damage, Malicious Damage, Fire & Theft to the Insured Vehicle (including Glass Cover). Most policies also cover Personal Effects in the car but sums insured are nominal. Many of the insurers offer an Approved Repairer Scheme, a Courtesy Car, subject to status, and Guaranteed Repairs.

There is an excess on all policies, which does vary between ages of drivers and vehicle models.

Third Party Fire & Theft - Covers Fire, Theft of the insured vehicle, Legal Liability to members of the general public and Damage to third party vehicles/property.
All policies normally exclude windscreen cover, accidental damage cover and personal effects in the car.

Third Party Only - This is a very basic policy and one that is rarely utilized. The policy is designed to cover your legal liability to members of the general public, and also damage to third party vehicles/property.

All insurance policies differ slightly – a specimen policy for each insurer is available upon request.

Legal Expenses Insurance - This is a separate "add on" policy that we generally recommend you purchase in conjunction with your Motor Policy. The contract covers you in the event of a non-fault claim if there is a third party involved. It covers up to £50,000 of Legal Expenses, and you have direct contact with the claims handler who will deal with your uninsured loss recovery, which can include the policy excess, repairs to the vehicle, personal injury etc. They can also assist you in making a claim for replacement vehicle hire. (This cover is optional)

The contract we use is administered by AIM Legal Expenses Insurance Services Ltd, and underwritten by Groupama Insurance Company Ltd. AIM is Authorised and Regulated by the Financial Services Authority - Registration Number 305870.

If you would like a quotation, please complete the Enquiry Form.