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.
Hastings Direct was founded back in 1997 and has since grown to offer the UK everything from bike and van insurance to home 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.
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||✓||✓|
Hastings Direct offers a range of optional extras you can add to your policy to give you even more peace of mind.
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.
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:
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.
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