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Coronavirus update Last updated 9th July 16:00

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In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will be here throughout to keep you updated so make sure to check back regularly.

At this time, please help us to prioritise essential calls by using our online services.

  • If you're a car customer you can use MyAccount or the app to make policy changes or payments, including changing your payment date, checking your documents or to report or track a claim (MyAccount only).
  • If you're a home, bike or van customer, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, or
  • You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.

For all other queries, including buying a new policy, please first read our Coronavirus FAQs for the latest advice and help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

Hastings Direct.
i

Coronavirus update Last updated 9th July 16:00

Show more

  • We hope you and those close to you are keeping safe. Our teams are now working from home so we're very sorry if you notice the sound quality isn't as good as usual or you experience periods of silence. We're working hard on improving this so please bear with us.
  • Please help us prioritise urgent calls by only phoning us if you want to discuss your renewal or you're thinking of cancelling your insurance, or you're in financial difficulties and you're worried about payments, or you're an NHS or frontline healthcare worker.
  • For anything else, you can now manage your policy online. For latest advice and help to use our online tools, read our Coronavirus FAQs.

In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will be here throughout to keep you updated so make sure to check back regularly.

At this time, please help us to prioritise essential calls by using our online services.

  • If you're a car customer you can use MyAccount or the app to make policy changes or payments, including changing your payment date, checking your documents or to report or track a claim (MyAccount only).
  • If you're a home, bike or van customer, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, or
  • You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.

For all other queries, including buying a new policy, please first read our Coronavirus FAQs for the latest advice and help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

Budget & cheap car insurance

A car on a country road.

Do you know how much you spend running your car? Research from KwikFit shows the average driver pays out £162 per month on their cars, while a Myjar study cited by This is Money estimates we spend an eye-watering £206,624 on our motors over our lifetime.

Whichever way you look at it, owning a car isn't cheap, but it's a necessity for many of us. Still, we all want to keep those costs as low as possible, and choosing the right car insurance can help. We've put together this handy guide on cheap car insurance to help you pick the policy that's perfect for you:

What is budget car insurance?

Certain car-related costs can't be changed, like the price of fuel, tax, and to some extent MOT and servicing. But car insurance costs can be brought down, which is why many people take out budget car insurance as a way of keeping overall running costs as low as possible.

Low cost car insurance usually takes the form of a no-frills policy like Hastings Essential. It allows you to pay for the basics, without paying a penny for cover you don't think you'll need.

What does budget car insurance cover?

A policy like Hastings Essential does what it says on the tin: it covers the essentials. If you're involved in an accident, we'll provide cover for damage to your car, and we'll also pay out if your car's stolen or damaged by fire – minus the agreed excess. Hastings Essential does offer comprehensive cover.

But in order to keep your premium as low as possible, your personal belongings inside your car aren't protected and you won't be covered for medical expenses, personal accident or legal expenses.

Benefits of budget car insurance

The main benefit of a budget car insurance policy is it can be cheaper to buy than other types of cover. But that's not to say it's always the most affordable option; in fact, the average price of this type of cover has increased in recent years, due to the number of claims made from drivers on these policies.

The best thing to do is be open-minded when you search for car insurance and compare all levels of cover: third party, third party fire and theft, and comprehensive. That way, you can be sure you're getting the best level of cover for your needs and budget.

How can I get cheaper car insurance?

Aside from affordable car insurance, there are some things you can do that may bring down the price you pay for cover. Here are three top tips:

Improve security

Fitting additional, approved security features to your car could lower your insurance costs, as an insurer may consider it to be at less risk of being stolen. It's one of the only modifications you should make to your car if you want to lower insurance, and not increase it!

Improving security also means keeping your car somewhere safe each night, like on your driveway or in your garage. If you parked your car on the road before, then your insurer could lower your premium.

Change what and how you pay

Increasing your excess when you take out cover could lower your insurance costs. But don't set it very high – you need to be sure you'll be able to pay the excess if you end up needing to make a claim.

Paying for cover in one lump sum is also sometimes cheaper than monthly instalments, as the cost doesn't incur any interest.

Drive safe

A clean driving record and claims-free history will help you to secure affordable car insurance year after year.

If you've only recently started driving, a telematics policy like Hastings SmartMiles could help you to save on insurance. It allows your insurer to monitor your driving, with your premium largely based on how good a driver you are!

Get covered with a Hastings Essential policy

If you're looking for basic, budget car insurance, Hastings Essential could provide you with exactly what you need for a price that won't break the bank.

It provides cover for just the essentials, meaning you pay for exactly what you need – and nothing more. Policy features include:

  • Cover for damage to your car (except damage caused by fire or theft) up to its market value
  • Loss or damage by fire or theft up to its market value
  • Legal liability for damage to other people's property up to £20m (£25m total including all costs)
  • Guaranteed courtesy car
  • Adjustable policy excess
  • No claims discount protection option
  • Repairs guaranteed for three years
  • Cover against uninsured drivers provided you can give details of the make, model or reg of the uninsured driver's vehicle.

You can also tailor cover and boost protection choosing from a range of optional extras, including car windows and windscreen cover, and key insurance.

Get a budget insurance quote today with Hastings Direct and see how much you could save!

Car insurance

Our straightforward car insurance is Defaqto 5 Star rated, so you can be sure you're getting a great product. Plus you can choose from a great range of optional extras.

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