A7 Insurance

[RH Insurance]

Hello Everyone,

I hope you are all well.

I have seen various comments on the Forum lately, and also assisted some of you, offline, with queries via email/phone.  

I would just like to confirm that RH's key benefits include:

- Discounted rates for A7CA members.
- Zero policy administration fees.  Most competitors routinely charge between £15-£65 to renew or process mid term adjustments. RH doesn't charge a single penny.
- Complimentary return of cherished salvage. This applies to all vehicles over 20 years of age which are repairable within DVLA guidelines.  By comparison, the majority of competitors will deduct up to 40% of the settlement value in order for the client to 'buy back' their salvage. RH clients receive their settlement value AND the salvage - without any deduction being made from the settlement value.
- Complimentary UK / European breakdown recovery - including home service.  The home service element was introduced in 2016 without any increase to premiums.
- Spare parts belonging to the insured vehicle are covered up to the sum insured. 
- Complimentary cover for non-competitive rallies.
- Complimentary cover for occasional wedding use (ie for friends/family - providing no money changes hands).
- Ability to insure multiple types of vehicles - including everyday cars (providing 1 or more specialist vehicles are on cover first).  
- Option to insure on a damage, fire and theft basis as well as comprehensive.  Premiums typically start from around £50 per annum and cover can be upgraded to comprehensive when the vehicle is road legal again.
- Young drivers.  Providing the driver has at least a year's driving experience, and a clean licence, we can consider requests from individuals to drive on a solo basis. In all cases the drivers must have access to an everyday car and use the Austin as a true classic ie infrequently (for shows, events and leisure purposes - not driving to university or work) and ideally keep it garaged or at least parked on a driveway (providing the postcode is in an acceptable risk area).  Each case is considered on its own merits.
- Mature drivers.  Unlike other insurers, RH doesn't have an upper age limit - providing the individual is fit to drive in accordance with DVLA guidelines.  Nor do we stop the personal accident benefit at the age of 70 or 75.  All benefits remain intact.  In fact, our oldest client is 100! 


Given the fact all Austin 7s are over 40 years of age they're rated on RH's lowest banding.  Please be aware that due to the wide variation in values between vehicles - along with postcode / claims history, etc, there will be a range of rates for the same age/model.

I appreciate some competitors may offer what appear to be 'bargain' premiums when compared with RH.  However, the overall package of benefits and claims service we have provided, since 1977, is still extremely competitive when you take into account RH's zero admin fees, breakdown recovery service and cherished salvage clause.  It's therefore always worth checking exactly what benefits are on offer before being tempted to accept a premium which might be cheaper.

As always, if anyone has any queries relating to motor insurance in general they're welcome to contact me direct.  Emma.airey@rhspecialistinsurance.co.uk.
If you have a query relating to cover, rating or a claim - please call 0333 043 3911 or email rh@ers.com.  We would be delighted to hear from you and assist.

With best personal regards,

Emma Airey
Head of RH Insurance
emma.airey@rhspecialistinsurance.co.uk