Choose car insurance with flexible levels of cover and optional extras. Take advantage of great cover at the right price, and enjoy the open road.
Select the level of cover that's right for you, and choose from a range of great optional extras to create the perfect package for your needs and budget.
We'll give you a car insurance quote for Hastings Direct and Hastings Premier so you can choose the level of cover that's right for you.
|Comprehensive policies only||Hastings|
|If you're hit by an uninsured driver, you won't lose your no claims discount or have to pay excess|
|Manage your policy 24/7 with MyAccount on mobile app, desktop or tablet|
|Don't lose your no claims discount if your car's vandalised|
|Get a courtesy car while yours is being repaired|
|Insured in the EU for up to 90 days per trip|
|Personal accident cover up to £5,000|
|In-car entertainment cover|
|Defaqto 5 Star rated cover|
|Child car seat cover|
|Four tiers of breakdown cover|
|Motor legal expenses|
Hastings Direct also offers a range of optional extras, such as enhanced personal accident cover, breakdown and motor legal expenses, which you can easily add to your car policy. Limitations may apply to these products.
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...
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:
The car you drive also plays a big part in the price of cover, with insurers taking into account:
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.
There are three main types of cover: third party, third party fire and theft, and comprehensive car insurance. Here's a quick rundown of what each level includes:
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.
Third party fire and theft offers the same over as a third party policy, but you're also covered if your car's stolen or damaged/destroyed by fire.
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.
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:
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.
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.
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.
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!
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. Get a car insurance quote.
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:
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