Woman driving a yellow car
Woman driving a yellow car

Hastings Direct car insurance

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Why get car insurance from Hastings Direct?

Hastings Direct offers three types of standard car insurance – Essential, Direct and Premier. The Direct and Premier car insurance products are 5 Star rated by Defaqto.

You can choose online ‘self-service’ versions of all the Hastings Direct car insurance policies for a lower cost. You’ll be expected to manage most elements of your policy through your online account or app, instead of picking up the phone. You’ll still be able to speak to a real person in some cases, but call centre support is limited.

Hastings Direct offers a Multi Car insurance policy that rewards customers with a discount for insuring more than one vehicle under the same policy, so long as they’re registered at the same address.

Also available is telematics insurance, which monitors how safely you drive and rewards good drivers with lower insurance premiums. Hastings Direct’s YouDrive policy is available to all ages.

As well as car insurance, Hastings Direct also offers:

  • Home insurance – including buildings only, contents only and combined policies, with two levels of cover to choose from.

  • Motorbike insurance – with two levels of cover available, Direct and Premier, and optional add-ons including personal accident cover, as well as helmets and leathers cover.

  • Van insurance – tailored to your needs with optional extras including breakdown cover and substitute vehicle cover.

  • Personal loans – fixed-term unsecured loans from £1,000 to £25,000.

How to contact Hastings Direct

Hastings Direct encourages its customers to use the app or their online account to manage most aspects of their car insurance, including adding named drivers, updating personal details and making a claim. An in-app live chat function is available if you get stuck, or you can look up the answers to common questions on the help page of the website.

If you want to discuss a new or existing claim call 0333 321 9800.

If you want to make a complaint, you can call 0333 999 8904 during business hours or write to the Customer Service Manager at Conquest House, Collington Avenue, Bexhill-On-Sea, East Sussex TN39 3LW.

Hastings Direct logo

What types of car insurance can I get with Hastings Direct?

Hastings Direct provides:

New Hastings Direct customers can choose between two levels of cover:

Hastings Direct offers three different car insurance products:

Other optional extras include:

Comprehensive Direct policies include:

  • Personal accident cover A pay-out of up to £5,000 if you or your partner die, or lose your eyesight or a limb, because of a car accident.

  • Driving abroad You’ll get the same cover as you do in the UK for up to 90 days when driving in the EU.

  • Personal belongings cover Comprehensive policies include up to £300 per claim for personal items lost, stolen or damaged while in your car. This excludes possessions such as money, credit and debit cards, phones, laptops and other electronic equipment.

  • Windscreen cover To repair the damage to or replace broken windscreens and windows, and to fix any scratches on the bodywork caused by the broken glass.

  • Medical expenses A payment of up to £500 for each injured person in an accident to help cover associated medical costs.

  • Uninsured driver promise This means you won’t lose your no claims discount or pay any excess if your car is hit by an uninsured driver in an accident that wasn’t your fault.

All cover details, exclusions, excesses, monetary limits and terms are clearly laid out in Hasting Direct’s car insurance policy documents.

What Defaqto star ratings do Hastings Direct car insurance policies get?

Hastings Direct is 5 Star rated by Defaqto for its ‘YouDrive’ telematics car insurance policy and its Direct and Premier standard car insurance products. Their Essential car insurance offering gets a 2 Star rating.

See our guide to Defaqto

FAQs

Can I cancel a policy with Hastings Direct?

You have the right to cancel your car insurance with Hastings Direct within the 14-day cooling-off period without paying any penalty (although you’ll still need to pay for any days that you were covered by the policy). To cancel your policy, call 0333 321 9801 to speak to an advisor.

After the cooling-off period, you’ll still be able to cancel but you’ll need to pay a cancellation fee. If you haven’t made a claim on the policy, you should receive a refund for any days remaining on the policy.

Who underwrites policies from Hastings Direct?

Hastings Direct is part of the wider Hastings Group and around 90% of the group’s insurance policies are underwritten by Advantage Insurance Company Limited, which is itself a member of the Hastings Group.

Is it possible to add other drivers to a Hastings Direct car insurance policy?

Yes, you can add a named driver to your policy through your online account or by using the app. Once you’ve entered the details of the driver you want to add, you’ll be offered a new quote for your premium, which includes any fees you’ll have to pay. If you’re happy with the price, you can complete the change.

Does Hastings Direct offer black box insurance?

Yes, Hastings Direct offers a telematics insurance policy called YouDrive that’s open to drivers of all ages.

Under the telematics policy, data about your driving is recorded using a smartphone app and a wireless tab. You’ll be able to see how safely you’re driving in the app and if you can prove you’re a good driver, you’ll get lower prices when it comes to renewal time.

Does Hastings Direct offer pay-as-you-go insurance?

No, Hastings Direct doesn’t currently offer pay-as-you-go car insurance.

Does Hastings Direct offer van insurance?

Yes, Hastings Direct offers van insurance that includes commercial use. Two comprehensive cover options are available: Direct and Premier. Both include courtesy vehicle cover, personal accident cover, windscreen cover and cover for qualifying personal belongings. Premier van insurance also includes breakdown cover and motor legal expenses as standard.