Hastings Direct offers flexible car insurance loaded with benefits, plus a great range of optional extras.
We pride ourselves on offering Defaqto 5 Star Rated cover to every customer, for a price that won't break the bank. If you're looking for car insurance, you've come to the right place – here's all you need to know...
How much does it cost to insure a car?
There's no set price for car insurance. This is because insurers calculate premiums based on a range of factors unique to you. These include:
Years of driving experience
Driving history (claims and points, etc.)
The car you drive also plays a big part in the price of cover, with insurers taking into account:
Where the car’s kept during the day and night
How does insurance work for a car?
Insuring a car's a pretty straightforward process: simply enter your details, select the type of policy you'd like to purchase and you'll get a quote. With Hastings Direct, all you need is a registration number to get started.
This is the minimum level of insurance required by law. If you're involved in an accident, it covers damage to the other person's property, but costs to repair or replace your car will come from your pocket. You won't be covered if your car is stolen or damaged by fire, either.
This provides you with the highest level of cover when you're on the road. If you're involved in an accident, the policy will pay out for costs associated with you and the third party. It also offers protection against fire and theft.
People assume third party policies are the cheapest. But because more people claim on this type of insurance, they can cost just as much – sometimes more – than comprehensive policies. Even if comprehensive cover is a little more expensive, you benefit from a far greater level of protection on the road.
The easiest way to check your car's insured is in the Motor Insurer's Database. The website contains information on all insured vehicles in the UK – all you need is your car’s registration number to use it.
What do you need to get insurance for your car?
When taking out car insurance, you'll need to enter details about you and your car. Here are some details you'll be asked to give:
Car registration number
Driving licence number
Address and work address if you'll use the car for work
Years of no-claims discount
Estimated value of your car
Details of claims and convictions/motoring offences (if applicable)
Estimated annual mileage
Bank details (for payment)
Can you get an insurance quote without a car?
As getting car insurance quotes require specific information about the car, it's not possible to get a quote without a car. Unless you know the car you're buying and its registration number.
If you're on the hunt for budget car insurance and haven't yet bought your car, we recommend spending some time looking around for cheap cars to insure. All cars are grouped into one of 50 different insurance classes, with group one cars being the cheapest. So if you want to save on cover, you're best bet is to choose a car in a lower group.
Can I drive any car on my insurance?
Some comprehensive policies allow the main drivers to drive someone else's car on a third party basis. But this varies between providers and may be subject to certain conditions – i.e. you may need to be over a certain age. In any case, it's always important to check with your insurer.
Also, what's worth bearing in mind is you'll only have third party cover on the car, even though you have a comprehensive policy on your own car. This means if you were involved in a crash in the other car, you'd have to pay out for repairs.
How long do you have to get insurance when you buy a car?
If you change your car mid-policy, you need to inform your insurer before you start driving it. They'll need to adjust your details and may charge an admin fee. It's likely it will alter the price you pay for cover – you could end up paying more or less.
You legally have to insure and tax the car if you want to drive it away. The easiest way to do this is to get a quote before you pick it up, then all you need to do is call the insurer or visit their website to activate the policy.
How can I get my car insurance down?
There are many things you can do to make sure you pay the lowest possible price for car insurance – you can find some handy tips on our budget car insurance page.
Get quality cover for an affordable price with Hastings Direct. Get a quick quote for car insurance today.
Car insurance policy documents
Don't have a policy with us yet?
You'll be able to see your documents once you've bought a policy with us. Simply fill out the quote details, selecting the level of cover that's right for you and choose from our wide range of optional extras to create the perfect package for your needs and budget.
Already have a policy with us?
If you've registered, log in to MyAccount to view your policy documents and find other useful information. Or you can download your documents here:
What type of policy do you want to view?
When did your policy start?
Do you already have a Multi Car a policy?
Which of our products do you want documents for?
Which of our products do you want documents for?
Your Multi Car account holder can access these documents through MyAccount or alternately please give us a call on 0333 321 9801
Most insurance is based on your answers to a bunch of questions but YouDrive also looks at your actual driving style. So you'll get a great price on day one and, as long as you drive well, you'll keep getting a low price every year. Simple.