Hastings Direct car insurance

Learn more about Hastings Direct car insurance

Hastings Direct car insurance logo

Last reviewed 29 July 2022

Why choose Hastings Direct car insurance?

  • 24/7 claims line
  • Manage your policy through their app
  • Choose from a selection of policy extras

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Who is Hastings Direct?

Hastings Direct is based in Bexhill-on-Sea in East Sussex. This is the location where the broker first started out in 1997. It also has offices in Leicester, South Africa, Gibraltar and London.

There are 3,300 members of staff working for Hastings Direct and it has around 3.1 million customers across its range of insurance products.

Hastings Direct is an intermediary and its policies are underwritten by a small group of insurers. These include: Advantage Insurance Company Limited, Lloyds, and Axa.

It is part of the Hastings Group which owns a number of different companies selling a range of insurance products.

Along with car insurance, you can also buy bike, van, and home insurance through the broker.

Hastings Direct is not short of awards, and in 2013, 2014, 2015, and 2018 it won the Car Insurance of the Year award from Moneyfacts, which also gave it five stars this year for car insurance.

Hastings Direct car insurance policy details

Hastings offers four levels of car insurance:

Hastings Direct is available in three different policy types:

  • Third-party only provides the lowest level of cover. Damage to another person’s property is covered but you’ll have to pay if your car needs repairing or replacing. This isn’t available to new Hastings Direct customers.
  • Third-party, fire and theft offers slightly more cover, as you’ll also be covered if your car is stolen or damaged by fire.
  • Fully comprehensive is the highest level of car insurance available. You’re covered for everything mentioned above and both you and the third party are covered. Though it offers the most cover, it’s not always the most expensive option, so it’s worth comparing levels to see how your prices compare.

If you take out a fully comprehensive Hastings Direct policy, you'll also get:

  • Courtesy car provision to keep you on the road while yours is being repaired
  • European car insurance, covering you for on-the-road travel throughout Europe for up to 90 days
  • Driving other cars clause, allowing you to drive any other car
  • Windscreen cover, helping to get your windscreen repaired or replaced it it's damaged
  • Vandalism promise, which means if your car is vandalised, you won’t lose your no-claims discount if you report it to the police
  • Uninsured driver promise, ensuring you keep your no claims bonus if you're in an accident that wasn't your fault with an uninsured driver
  • Personal belongings cover of up to £300 cover for personal belongings, not including money, jewellery, tools, mobile phones or laptops
  • Personal accident cover of up to £5,000
  • Medical expenses cover of up to £500 for each injured person

Hastings Direct offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.

Hastings Direct policy extras

If Hastings Direct's straight-from-the-box policy doesn't quite do all that you need it to, you can also add any of the following extras onto your policy for an added cost:

  • Motor legal protectionwhich helps to cover the cost of legal expenses if you need to claim after an accident-related injury
  • Breakdown cover provided by the RAC
  • Enhanced personal accident cover You, anyone else entitled to drive your car and your passengers each get £100,000 of cover for death or serious injury in an accident in your car. You also get additional benefits if you’re involved in a road rage or carjacking incident.
  • Key protection insurance that covers you for the replacement of your keys and locks if they’re stolen, damaged, lost, locked in your car or broken in a lock
  • Substitute vehicle insurance that gives you a temporary vehicle if your car is written off or stolen and not recovered.

Hastings Direct also offers multi car insurance so you can save money by insuring more than one car with it.

Contact Hastings Direct

If you need to contact Hastings Direct, they have an app called MyAccount. Here you can manage an existing policy, make a claim and make changes if you need to.

If you don’t want to use their MyAccount service and you’ve been in an accident, you can make a claim by calling them on 0333 321 9800.

If your car’s been stolen, you can call them on 0333 999 2956.

You can write to them at Conquest House, Collington Avenue, Bexhill on Sea, TN39 3LW.

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