How to cancel Hastings car insurance
Find out how to leave Hastings and what it will cost you.
Whatever your situation, you might feel you can’t wait for the contract to run its course and you want out prematurely.
We give a step-by-step guide to cancelling your Hastings car insurance, walking you through how to get in touch, all the way through to what charges you can expect when you leave.
How to cancel your Hastings car insurance policy
Unlike other car insurance companies, quitting Hastings while still in the cooling off period isn’t cheap. Here’s what you have to do.
- Contact. If it hasn’t been 14 days since you signed up or renewed your policy, call Hastings and say that you want to leave.
- Cancellation. Hastings will cancel your deal the day you get in touch.
- Refund. Hastings will then give you your money, minus the days you’ve used.
- Fees. Unlike other insurers, even if you’re in the cooling off period, Hastings will hit you with a few different and potentially annoying charges for cancelling.
- Made a claim. Should you have made a claim, or had one made against you, then Hastings won’t give you a single penny back in refunds.
The cooling off period may have been and gone, however you can still battle your way out of your Hastings deal. Here’s how.
- Mail. Send Hastings your Certificate of Motor Insurance, either by post or email, along with a message explaining you wish to cancel your policy.
- Cancellation. Hastings will end your policy the day it receives this document.
- Refund. Hastings will refund you the part of your premium you haven’t used, as long as you haven’t had a claim made on your policy. Customers who pay by monthly instalment, by contrast, will have to make sure they settle their debts to Hastings before they fully leave.
- Charges. However, Hastings will keep back a portion of your refund, as it will charge you a cancellation fee of around £50 as well as arrangement fees.
- Made a claim. If you’ve made a claim (or someone has made one against you) you won’t get any money back whatsoever. Plus you’ll have to pay a cancellation charge to leave too.
Things to consider before cancelling your policy with Hastings
- Adjust existing policy. If you want cheaper insurance or a policy with a different level of cover, then see how much it is to modify your deal with Hastings. It might prove cheaper than starting again.
- Fees. Hastings will charge you for leaving, even if you’re in the cooling off period. Instead, you could just wait for your deal to end and ask Hastings not to auto-renew your policy. That way you won’t pay any leaving fees.
- Made a claim. Should you have made a claim (or had one made against you) then you won’t get any money back from Hastings if you cancel early. In fact, you’ll have to pay a cancellation fee. So you’ll be out of pocket!
- Best time to switch. When you switch insurers plays a big part in how much your new deal will cost. Typically three weeks before your existing deal is due to end is a good time to start hunting around. Definitely don’t leave it to the last day as you’ll get higher premiums and your Hastings deal might auto-renew.
- No claims. Hastings could well refuse to let you take your no claims bonus with you, which might cost you should you switch provider early.
Changing car insurance provider
- Compare, compare, compare. Work out what level of cover you need then use comparison sites to find the best deal for you.
- Go direct. Some insurance companies don’t list all their offers on comparison sites, so head to the insurers’ websites and get a few quotes directly as well.
- Immediate sign up. This is one option you can take, signing up to a new car insurance policy and cancelling your Hastings deal on the same day. As discussed earlier in the article, you’ll have to pay leaving charges if you change provider this way.
- Delayed sign up. The other route you can take is to call Hastings and ask it to simply not renew your deal. This is not cancelling but simply making sure it doesn’t auto-renew your policy. Then, when you sign up to a new insurer, ask it to delay starting your cover until the day your Hastings deal expires.
Contacting Hastings Direct
If you wish to cancel your car insurance policy, you can reach Hastings Direct on their contact number 0330 818 215.
The opening hours for this helpline are as follows:
Bank holidays 9am-5pm
More information can be found on the help section of their website.
Frequently asked questions
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