Hastings Direct car insurance
Learn more about Hastings Direct car insurance
Last reviewed 26 July 2021
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
With Hastings Direct car insurance, you can choose from three levels of cover:
Third-party 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.
Third-party, fire, and theft offers slightly more cover, as you’ll also be covered if your car is stolen or damaged by fire.
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.
On all levels of cover, Hastings Direct includes cover for travel in the European Union for up to 90 days.
With the comprehensive policy you’ll also get the following included:
- If you have an accident with an uninsured driver, you won't lose your no-claims discount or pay an excess
- If your car is vandalised, you won’t lose your no-claims discount
- A courtesy car if you can’t drive yours
- Medical expenses of up to £500 for each injured person
- Personal accident cover of up to £5,000
- Cover for in-car entertainment
- Windscreen cover
- Cover for child seats
- Up to £300 cover for personal belongings, not including money, jewellery, tools, mobile phones, or laptops.
You can also add any of the following extras onto your policy for a cost: enhanced personal accident cover, breakdown, motor legal expenses, and key protection.
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.
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