What does Hastings Direct buildings insurance cover?
Buildings insurance generally offers protection for the structural elements of your property. This includes the cost of repairs or rebuilding your home if your roof, walls, floors or permanent fixtures are damaged.
It can cover you if your home is damaged by extreme weather and exceptional circumstances such as storms, floods, fire, vehicle theft and vandalism damage. Hastings Direct buildings insurance offers cover for:
- Subsidence issues
- Alternative accommodation
- Theft of keys
- If damage is caused by emergency services gaining access to your home
- Underground services – this could be cabling and pipework
- Trace and access leaks
- Kennel fees
Home emergency cover and home legal protection are included as standard if you choose a Premier policy.
As Hastings Direct offers 3 tiers of buildings insurance, what's included in your policy could vary depending on the level you choose.
What does Hastings Direct contents insurance cover?
Look at contents insurance as protection for the moveable items in your home. Hastings Direct contents insurance could cover your electronical devices, jewellery, furniture and more from certain types of damage.
Here's what you can expect to be included in your policy:
- Electrical items such as TVs, video game consoles and laptops
- Furniture like sofas, beds and dining tables
- Furnishings in your home, such as curtains, carpets, ornaments and antiques
- Kitchenware, whether it's crockery, cutlery, microwaves and fridges (and potentially even the food inside them)
- Clothing, jewellery, and bicycle cover!
You should calculate the total value of your contents and be aware of any single-item cover limits. If you need a helping hand to work this out, try our contents calculator!
As with buildings insurance, a Hastings Direct contents insurance policy can offer home emergency cover and home legal protection as standard if you choose a Premier policy.
With 3 tiers of contents insurance to choose from, exactly what's included in your policy could vary.
Hastings Direct house insurance optional extras
When you're looking for home insurance, each policy should lay out what cover is included. You can usually enhance your cover with optional extras, but these tend to come at an additional cost. If you buy a policy with Hastings Direct, you'll be offered:
Home emergency cover: Let's say it's wintertime and your central heating stops working, for example. Situations like this require urgent attention, and an emergency callout can be costly. Home emergency protection can provide cover against the costs of labour, emergency call-out and parts. If you have a Premier home insurance policy, this is included as standard!
Home legal protection: If you need to claim or discuss a legal matter, you'll have cover for expenses. This could be in the form of a personal injury claim, contractual, property, employment disputes and more. A Premier Hastings Direct home insurance policy will also include this type of cover as standard.
Personal possessions insurance: Contents insurance tends to cover your belongings at home only. Personal possessions insurance can offer protection for your belongings from theft, damage and loss while you're out and about.
Accidental damage cover: Think of accidentally spilling red wine all over your brand new carpet, for example. This type of cover can come to your rescue for unexpected, unintentional accidents caused by sudden physical damage.
Contact Hastings Direct about home insurance
Online
The easiest way to manage a Hastings Direct home insurance policy is via a dedicated app. Depending on the policy you choose, you can use the app to:
- Start and track a claim
- Send a message 24/7
- View policy documents
- Access to breakdown support
- Make changes to a policy
You can also access your policy on desktop via the website.
Give them a call
Remember those adverts in the mid-2000's? The adverts that reference the Battle of Hastings with a catchy jingle? Yes, you can still dial that number for general queries! It's: 0800 00 1066.
However, if you need dedicated services you should call these numbers:
For new customer, call: 0333 321 9829
For customer service, call: 0333 321 9801
For renewals, call: 0333 321 9790
Opening hours for phone lines are: Monday to Friday: 8.00am - 7.00pm, Saturday: 9.00am - 5.00pm, Sunday: 9.00am - 1.00pm
Any other information
Hastings Direct's registered office is: Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW
The company is registered with the Financial Conduct Authority (firm reference no. 311492).
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