Is Hastings Direct a Good Insurance Company?
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Discover the methodologyYou are considering buying an insurance policy at Hastings Direct and are wondering if Hastings Direct is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Hastings Direct: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Hastings Direct.
Who is Hastings Direct?
Hastings Direct was founded in 1997 and was first only providing car insurance. The company has now become one of the leading insurance provider across the UK and offers home, bike and van insurance. It is part of the famous Hastings Insurance Services Limited gathering brands such as InsurePink or People's choice.
What are the main insurance policies available at Hastings Direct?
Let's discover below main insurance policies offered by Hastings Direct.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Home insurance | Get to know more |
Hastings Direct expert and consumers reviews: Defaqto, TrustPilot
Hastings Direct is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Hastings Direct.
| Defaqto | |
|---|---|
| Car insurance | 5 |
| Home insurance | Essential: 3 stars |
Is Hastings Direct a good car insurance company?
3,7 Safe overall rating for Hastings Direct car insurance
The rates applied by Hastings Direct are well received by its customers. The Consumer Moneyfacts Awards ranked Hastings as the Car Insurance Provider of the Year 2018.
The customer satisfaction is high and seems to reflect positive user experience on the website as well as an attentive customer service.
The website also effectively passes across effective messages and information on the car insurance policies the company offers. It is recommended.
In addition to typical car insurance coverage choices, Hastings Direct offers, among other options:
Breakdown cover
- 24 hours emergency assistance with no excess payable on claims
- £75 per day (for up to three days) for car hire in case you are stranded
- You get a temporary courtesy car while your own is being repaired.
Windscreen cover
- Claim on windscreen, window doesn't affect NCB. Sunroof does.
- There's no cover for windscreen repairs or replacement if you have third party or third party, fire & theft insurance or Hastings Essential policy.
Motor legal protection
For accidents that are not your faults, Hastings Direct offer a cover of up to £100,000 for legal costs.
Personal injury policy
Personal accident cover offers financial compensation of up to £5000 for a range of injuries to help you and others recover.
Besides main car insurance coverage, you can also get extra car insurance options at Hastings Direct. Get to know more, read our complete review on Hastings Direct car insurance.
Is Hastings Direct a good home insurance company?
4,4 Safe overall rating for Hastings Direct home insurance
Hastings Direct was founded in 1997 and was first only providing car insurance. The company has now become one of the leading insurance provider across the UK and offers home, bike and van insurance. It is part of the famous Hastings Insurance Services Limited gathering brands such as InsurePink or People's choice.
The standard building insurance doesn't come with blockage of sewer pipe cover or gradual build up of groundwater cover, unlike competitors. Cover provided for keys is also quite low. The Premier building insurance plan offers higher protection with Home emergency and Legal expenses included as standard (available as optional extras for standard insurance policy). You can even get up to £200K for alternative accommodation. The Essential building insurance plan, on the other hand, rated 3 stars by Defaqto only offers very basic protection with a maximum building insurance sum insured of 500k and owner's or occupier's liability limit of £1M.
Standard contents insurance does not cover contents in the open or in outbuildings. You will need to get the Premier plan to be covered up to £5000.
However, the standard policy offers great cover for money and credit card at home or away from the home (£500 in Essential Plan).
Hastings Direct building insurance
You will find below building main insurance details for the Standard Home Insurance cover at Hastings Direct:
- Maximum sum insured for your property: £1 000 000
- Owner's liability: £2 000 000
- Alternative emergency accomodation: £100 000
- Period of home's unoccupancy cover: 30 days
- Trace and access: £5 000
- Keys cover: £500 - £1500 (optional)
- Subsidence excess: £1 000
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover | Not covered |
| Family legal protection |
|
Hastings Direct contents insurance
You will find below contents insurance details for the Standard Home Insurance cover at Hastings Direct:
- Maximum sum insured for your contents: £150 000
- Alternative emergency accomodation: £10 000
- Single item limit: £1 500
- Contents in the open: £1 000
- Contents in outbuildings: £3 000
- Money / credit card kept at home: £500 / £1 000
- Items temporarily removed from home: £2 500
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Optional extra (included as standard in Premier insurance) |
| Personal possessions cover |
|
| Mobile cover |
|
| Bike cover |
|
Standard excess to report a claim at Hastings Direct is £100.
You will find exhaustive cover details, administration fees, contacts etc. on Hastings Direct home insurance on our review below.
>> MORE: read our complete review on Hastings Direct home insurance.
| Life insurance criteria | |
|---|---|
| Minimum age | |
| Maximum age | |
| Pay-out | |
| Extras | |
| Terminal illness |
Hastings Direct discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Home insurance | Discount is given for buying combined policy. |
How to contact Hastings Direct?
Find out how to contact and log in to Hastings Direct on our contact page.
