Hastings Direct car insurance

Established in 1997, Hastings Direct provide insurance policies and other products to their customers across the UK.

Winners of the Moneyfacts car provider of the year in 2014 and 2015, their car insurance also has a Defaqto 5 star rating. This means they offer excellent products and benefits.

Hastings Direct offer two types of policies – Standard and Premier. The Premier policy includes legal protection, breakdown and mis-fuelling cover, plus higher levels of cover than the Standard policy.



Hastings Direct car insurance

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Comprehensive cover

A comprehensive car insurance policy from Hastings Direct includes:

  • Windscreen cover.
  • Uninsured driver protection – if you have an accident with an uninsured driver you won’t lose your no claims bonus.
  • Personal accident cover –to help if you or your partner are killed, lose a limb, or an eye in an accident. 
  • Personal belongings in your car. 
  • Child car seat cover if your car is in an accident, damaged by fire,a theft or attempted theft.
  • Emergency medical cover – if you need to pay for emergency treatment.
  • Audio and navigation equipment.
  • 90 days’ European travel with the same cover as you have in the UK.
  • Courtesy car – you’ll be covered for a guaranteed courtesy car while your vehicle is being repaired after an accident.
  • Guarantee on repairs for 5 years.
  • Onward travel – if you can’t drive your car after an accident, you’re covered for the costs towards getting home or for overnight accommodation for you and your passengers. 

Premier Cover also includes:

  • Breakdown cover.
  • Motor legal expenses – help to recover your uninsured losses or if you are prosecuted for a motoring offence.
  • Mis-fuelling cover – if you put the wrong fuel in your car, you’ll be covered for draining the tank and the repair or cleaning of any damaged parts (terms and conditions apply).

Terms and conditions will apply to the benefits offered, so make sure to check the policy wording before you buy.

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There are further options available, if they’re not already included:

  • Enhanced personal accident cover – offering a higher level of cover than a standard policy.
  • Substitute vehicle – a hire car if your car is written-off or stolen.
  • Motor legal expenses – to help you claim uninsured losses if you’re involved in an accident that’s not your fault. Claims could be for personal injury, loss of earnings, car hire, out of pocket expenses and the reimbursement of your policy excess.
  • Keycover –for your home, car or business keys. Includes locksmith’s charges and replacement locks, car hire for up to 3 days if you can’t drive your car because of lost or stolen keys and a 24 hour helpline.

You can also add breakdown cover to your car insurance, Hastings Direct offer four levels of cover:

Roadside Recovery

This gives you roadside assistance anywhere in the UK including caravans and trailers. If your car can’t be fixed, it will be towed to the nearest garage for repair. You are also covered for a mis-fuelling accident in the UK.

UK recovery

All of the benefits of Roadside Recovery, plus cover for an emergency driver. If you get ill during your journey or injured in an accident and you can’t drive, this cover will arrange a driver to take you to your destination or where you originally came from.

Home Service

Roadside and UK recovery, plus Home Service which will give you cover within a quarter of a mile from your home.

European Cover

This includes Home service, UK recovery and Roadside Recovery, as well as European Cover if you have a breakdown whilst you are abroad.

As well as home insurance, Hastings Direct also offer insurance for your bike or van.

Get yourself a Hastings Direct car insurance quote today and see how much money you could save. 

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