Registered Forum User
 Mille
    Posts: 196
 Join Date: May 2003
 Location: Glossop, Derbyshire.
  
    
     H & R use an underwriter that isnt too concerned about some modifications. They will only replace to original spec (not modified) in the event of a claim though. 
 Found them a little cheaper than CNash when I wanted Termi peace of mind.