Hastings Direct car insurance review

See what's included in car insurance from Hastings Direct and compare it to other car insurance companies in the UK.

3.9 ★★★★★ (531 reviews) Write a review
Hastings Direct

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Our verdict

If a choice of cover options is what you're after, Hastings Direct is well worth a look. It offers 3 levels of comprehensive cover (Essential, Direct and Premier), third party, fire and theft cover, a telematics or "black box" policy and multi-car cover.

However, its website could be more user-friendly to make it easier for customers to understand what is and isn’t included in their policy, and it doesn't make it obvious at first glance that third party, fire and theft is an option. It only offers third party insurance to existing customers, not new ones.

Get started by visiting Hastings Direct’s website and sign up for a policy. If you have read this review and decided that Hastings Direct car insurance is not for you, you can also compare other car insurance policies on the market.

Best for: A wide choice of cover options

Pros
  • Windscreen and personal belongings cover included as standard in the Direct and Premier comprehensive policies
  • Hastings Direct has multi-car and "black box" cover options and cover is available to new and young drivers
  • Online claims process
Cons
  • It doesn't offer third party only cover to new customers
  • There isn’t a lot of information about its third party, fire and theft policy available prior to quote stage
  • The Hastings Direct website could be easier to navigate
Hastings Direct Standard
★★★★★
Finder score
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Hastings Direct has 3 comprehensive car insurance policies on offer: Essential, Direct and Premier. We looked at what each policy includes, the pros and cons of cover and how to make a claim with Hastings Direct. It also offers third party, fire and theft and third party only policies.

Compare Hastings Direct car insurance policies

Name Product Courtesy car cover New car replacement EU cover Personal accident cover Multi-car discount Link
Hastings Direct Standard
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Up to £1000
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Finder's summary: 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.

Who it might be good for: Someone who wants an all-round comprehensive policy, that can also have multi-car or a black box policy.
Hastings Premier
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Up to £5000
Compare quotes
Hastings Essential
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Up to £1000
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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’s car insurance policies are underwritten by Advantage Insurance Company Limited, which is an associated company of Hastings.

What’s covered under my policy?

Hastings Direct offers 3 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 a “no-frills policy with basic and affordable coverage”.

Here is what the other 2 comprehensive options cover:

Product NameHastings Direct StandardHastings Premier
Damage to your car
Damaged windscreen and window glass
Fire and theft
Personal accident cover
Liabilities to third parties
No-claims discount
No-claims discount protectionOptionalOptional
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:

What are Hastings Direct’s policies?

How do I make a claim?

You can start a claim online or through the Hastings Direct app.

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 2 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 car insurance customer reviews

Customers who took part in Finder’s 2024 customer satisfaction survey were positive about Hastings Direct, with many highlighting good service and quick responses.

One commented: “Sorted out my claim with a minimum of fuss,” which is what anyone would want from their insurer.

Among Hastings Direct customers in the survey, 78% said they would recommend the brand to a friend, and it came eighth out of 11 brands.

How to cancel Hastings Direct car insurance

You need to call 0333 321 9801 to cancel your policy.

You are able to cancel your car insurance with Hastings Direct up to 14 days after your start date with no cancellation fee. After this time period, a £45 cancellation fee will be charged.

Frequently asked questions

Car insurance scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54

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