Farmer in field of cows on mobile phone

Complaints

H&H Insurance Brokers take complaints very seriously. We welcome your views on any aspect of our service and if we fail to meet your expectations, we need to know. To download a copy of our Complaints Procedure please click here.

It is our intention to provide you with the highest possible level of customer service at all times. However, we recognise that things can go wrong on occasion and if this occurs, we are committed to resolving matters promptly and fairly.

Should you not be satisfied with our final response, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). More information is available on request or on their website: www.financial-ombudsman.org.uk.

Farm Insurance FAQs
1. Do all farmers need insurance?

It is always advisable for Farmers to take insurance out to protect their business. Working with large machinery, and livestock means that the farming industry can be dangerous, and accidents can happen. If you use a specialist farm or agricultural insurance broker they can provide tailormade Farm Insurance quotes for you, and help advise on the most cost effective way to insure your business and assets.

2. What does farm insurance cover?

Farm insurance typically covers Public Liability Insurance as standard as a minimum, then you could add Employers Liability Insurance to cover Employees and Temporary workers, Environmental Liability Insurance, then add Buildings, Machinery, Livestock and Business Interruption Insurance. A specialist Farm or Agricultural Insurance Broker could advise you on the best way to insure your business and provide a bespoke farm insurance policy.

3. What does farm insurance cover exclude?

 Farm Insurance excludes cover for deliberate acts, wear and tear and fraudulent claims. Claims arising from COVID-19 are extremely unlikely to be covered. A farm that has diversified to provide additional income streams will need to be fully disclosed to the insurance company. Diversification that has not been disclosed to an Insurance Company is highly likely not be covered. It is highly advisable to check your insurance policy regularly to check what you are, or are not insured for, and to ensure it fully up to date and meets with your requirements.

4. Do all tractors and agricultural vehicles need farm motor insurance?

If a tractor or agricultural vehicle is intended to be driven on or even across a road, then by law the vehicle being driven has to have Motor Insurance in place that meets at least the requirements of the Road Traffic Act. If you have a number of Tractors or Agricultural vehicles, it is usually more cost effective to insure these on one policy, covering multiple vehicles.

5. Lorem ipsum dolor sit amet, consectetur?

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam

6. Are quad bikes included in the farm motor insurance policies?

Farm Policies motor insurance policies can usually cover Quad Bikes, but these need to be specified individually and note their registration number and or their serial number.

7. What is included in farm motor insurance?

Usually when insuring multiple vehicles on one Farm Motor Insurance policy, the insurer will also cover trailers and machinery that is either attached to the tractor on the three-point linkage or the PTO (Power take off). This cover normally extends to when the trailer or item of machinery is either attached or detached from the tractor and is not currently being used. It is always wise to specify items of machinery that are in excess of £50,000.

8. What is excluded from farm motor insurance?

Drivers who do not hold a correct licence, drivers who are banned and drivers who have excessive penalty points will be usually excluded from cover. Using a tractor or machine for an activity that is excluded, such as demolition etc will usually be excluded from the policy from the outset.
 

9. Can my farm motor insurance policy cover contractors too?

Farm motor insurance can usually cover your own contracting activities that you may carry out. However, the insurer will need to know exactly what contracting activities you are planning on carrying out. For example, if your tractor is used on non-farming activities this will be looked at differently to tractors being used for contracting for farming purposes.

10. Lorem ipsum dolor sit amet, consectetur?

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam

11. Lorem ipsum dolor sit amet, consectetur?

Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam

What our customers think

Personal touch valued. Time to discuss details.
A personal visit from representative enabled us to discuss fully any points we were unsure about, thus enabling us to make a better informed decision about what to include and what to miss out.

Karen - 06 January 2022

Great service
Easy to deal with

05 January 2022

Recommend them again

Andy - 05 January 2022

Professional and efficient. I will use them again and recommend them

04 January 2022

The sales rep Haf was brilliant and found me a good deal
Brilliant service , good deal and easy to talk to someone who understood what I was after for my policy

02 December 2021

Excellent personal service.
Luke was very patient in explaining the 2 types of insurance my business needs and is likely to get a third policy from us in January.

Ray Cassidy - 02 December 2021

Very good
Very good, Yes. Not necessary

02 December 2021

Prompt and excellent service

02 December 2021

Great service
They were in touch with me on a regular basis sorting my insurance out. Then got me a good deal. Also when I had queries they were quick to answer them.

02 December 2021

Yes I would recommend to others. The staff were very helpful.

James - 02 December 2021

Excellent
Excellent service

02 December 2021

Professional people to deal with
Have insured our farm and holiday cottage for many years and find everyone at the company always keen to help and support

02 December 2021

They listen to what you have to say and recommend the best cover available,then find the best deal to suit your needs.

Margaret - 08 November 2021

excellent service
excellent servibe by HandH would definately recommend

Ian - 07 November 2021

As usual reliable, friendly and efficient.

Katharine - 05 November 2021

Excellent service
Excellent service and very helpful staff

Marshal - 05 November 2021

They handled all my questions quickly and easily

05 November 2021

From picking up the phone they responded professionally and very promptly to provide a competitive quote. This was flexibly adjusted to meet all of our requirements resulting complete cover within a week.

05 November 2021

Jade was very helpful and also gave us some great advice but most importantly saved us quite a bit of money on our yearly insurance costs

John - 05 November 2021

All process handled well from start to finish Would highly recommend them

Stephen - 05 November 2021

INDEPENDENT REVIEWS FROM FEEFO