Customers say
★★★★★
Customer satisfaction
★★★★★
Customer satisfaction
Customers said Hastings is easy to deal with
Some customers complained about premiums rising on renewalHastings Direct car insurance review
With so many car insurance companies to choose from in the UK, use our analysis to see if Hastings Direct insurance is right for you.
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Customers said Hastings is easy to deal withSome customers complained about premiums rising on renewalWhat's in this review?
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Hastings Direct offers third party; third party, fire and theft; and comprehensive car insurance. Within comprehensive, there are three options: Essential, Standard and Premier car insurance. The policies have different features so it’s important to check you have the right one for you.
Who is Hastings Direct?
Hastings Direct was founded back in 1997 and has since grown to offer the UK everything from bike and van insurance to home insurance.
Who underwrites Hastings Direct car insurance?
Hastings Direct insurance is underwritten by a range of insurers. Information on who underwrites your specific policy will be given in your policy documents, as well as on your certificate of motor insurance.
The main underwriter for most of Hastings Direct’s car insurance policies is Inter Partner Assistance S.A.
Compare Hasting Direct’s car insurance policies
Updated March 31st, 2020
What’s covered under my comprehensive policy?
Hastings Direct offers three comprehensive car insurance policies which differ in price, benefits and the cover they provide.
There is not much information about the Essential policy on the Hastings Direct website, though the company describes this policy as ‘no-frills policy with basic and affordable coverage’.
Here is what the other two comprehensive options cover:
| Product Name | Hastings Direct | Hastings Premier |
|---|---|---|
| Damage to your car | ✓ | ✓ |
| Damaged windscreen and window glass | ✓ | ✓ |
| Fire and theft | ✓ | ✓ |
| Personal accident and road rage | ✓ | ✓ |
| Liabilities to third parties | ✓ | ✓ |
| No claims discount | ✓ | ✓ |
| Permanently fitted audio equipment | ✓ | ✓ |
Optional extras
Hastings Direct offers a range of optional extras you can add to your policy to give you even more peace of mind.
These include:
- Breakdown cover
- Legal expenses cover (comes as standard with Hastings Premier)
- Personal accident cover
- Substitute car if your car is written-off
- Key cover
- Breakdown recovery (comes as standard with Hastings Premier)
How do I make a claim?
If you need to make a claim on any Hastings Direct insurance policy, call the claims team on 0333 321 9800.
The Hastings Direct claims team is available 24/7.
What is my excess
An excess is the amount of money you contribute to the cost of your claim. The amount of your excess will depend on the level of cover you have and the nature of your claim. Details of your excess amounts will be displayed in your policy schedule.
In some instances, more than one excess will apply, in which case Hastings Direct will add them together.
There are two types of excess and these are:
- Compulsory excess which is set by the insurer underwriting your policy.
- Voluntary excess which is in addition to any compulsory excess. You can set this as low as you want to reduce the amount you have to pay if you make a claim, or you can increase it which is likely to reduce your premium.
Hastings Direct insurance pros and cons
Pros
- Windscreen and windows glass cover included as standard in the Direct and Premier comprehensive policies.
- Hastings Direct has Multi-car and Telematix cover options and cover is available to new and young drivers.
- The claims team is available 24/7.
Cons
- There isn’t a lot of information about the third party, third party fire and theft or the Essential comprehensive policies available prior to quote stage.
- The Hastings Direct website is not easy to navigate.
Verdict
Hastings Direct does offer strong options for comprehensive car cover, as well as other types of car insurance, such as multi-car and Black Box cover. However, its website could be a lot more user friendly to make it easier for customers to understand what is and isn’t included in their policy.
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.
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*51% of consumers could save £264.64 on their car insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website (based on representative cost savings data for November 2019). The savings you could achieve are dependent on your individual circumstances.
