Hastings Direct.

Important - Coronavirus update

In line with guidance from the Government and to help look after our colleagues, we now have a limited number of staff in the office. During this time, we're committed to supporting you in the best way we can. We'll 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, or for any customers wishing to cancel their insurance, please use our online forms.
  • If you do phone, we will only be able to deal with your query if:
    • You're in a vulnerable situation or an NHS/critical care worker who can't easily access our online services, or
    • You are worried about making future payments, or
    • Your policy is due to renew in less than a week and you're concerned the policy is no longer suitable for you, 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 how to use our online services.
  • Our opening hours have changed to: Monday to Friday 9am - 6pm, Saturday 10am - 2pm and Sunday Closed. If do you need to call us, please bear with us as it may take us longer to answer your call. We're sorry for any inconvenience this causes you.

Read our Coronavirus FAQs

Comprehensive car insurance

A woman behind the wheel.

When you get a quote for car insurance, you'll have to decide what level of cover you want: third party only, third party fire and theft, or a comprehensive policy.

Comprehensive car insurance is the highest level of insurance you can take out and will provide you with maximum protection when you’re out on the road. Here's all you need to know about this type of policy.

What is comprehensive car insurance?

Comprehensive car insurance is the highest level of cover you can buy from us. In an accident, a third party policy covers the other person's car and property but not your own, while fire and theft protects your car if it's stolen or damaged by fire. Comprehensive cover, on the other hand, provides the same level of protection for you, your car and property as the third party's if you were to have an accident.

What does comprehensive insurance cover?

  • Any loss that is caused damage to third party cars and property
  • Any loss that is caused from damage to your car and property
  • Third party medical expenses
  • Personal/passenger medical expenses
  • Damage to your car as a result of attempted theft, for instance smashed windows
  • Accidental and non-accidental fire (cases of arson must be reported to the police and you must have a crime reference number).

Do I need comprehensive car insurance?

Third party insurance is what you legally must have in place to drive on public roads, but it's your choice whether or not to boost cover with a comprehensive policy. Many people pick this type of policy because it offers them, their cars and, to an extent, their passengers greater protection.

Under a comprehensive policy, not only are you and your car covered, but you can claim for incidents you're unable to prove, such as if a driver were to hit you and speed off. You can also claim for an accident where you're found to be at fault – something you can't do with a third party only or third party, fire and theft policy.

Is comprehensive insurance cheaper?

Some drivers don't even bother to get a comprehensive insurance quote because they think it will be far more expensive than third party insurance. After all, they assume it offers drivers the highest level of protection, so it would naturally be dearer.

However, if you fill out a quote for comprehensive car insurance, you might be pleasantly surprised by the result. This is because less-experienced drivers tend to opt for third party policies in a bid to keep costs low, but they're also more likely to be involved in accidents. Insurers have had to balance this risk by charging higher prices, which has pushed up the cost of the average third party premium.

Can you drive any car if you are 'fully comp'?

Comprehensive cover is sometimes known as 'drive any car insurance.' Yet, contrary to popular belief, having comprehensive insurance does not entitle you to get behind the wheel of any other car, even if you're over the age of 25.

The terms and conditions vary between insurers, so it's vital you check your entitlements before driving another car. If you've got a policy with Hastings Direct, you can find out this information under section 5 of your motor insurance certificate.

If you've looked at the terms and have cover to drive another person's car with permission, you'll only be covered by third party insurance. So, if you have an accident while driving their car, you could be left with a hefty repair bill.

Do you have to pay excess towards a third party claim?

If someone files a claim against you after an accident, your insurance provider will cover the excess. If it's a personal claim, however, then you'll need to contribute the excess agreed when you took out the policy.

While it might be tempting to set your excess high when taking out insurance in order to get a better deal, it's important the figure is a realistic one – in other words, you need to be sure you'll have that amount of money to pay in the event of a personal claim.

Is it worth getting comprehensive car insurance?

If comprehensive policies are coming out slightly more expensive than third party ones when comparing quotes, don't forget you're paying potentially a little more money for a lot more protection.

Also, the initial cost of a comprehensive policy might be higher, but it'll be nothing compared to what you'd have to pay under third party insurance if your car needed to be repaired or replaced following an accident where you're at fault.

For many drivers, it's a no-brainer – they'd rather be fully protected when they're out on the road than half-protected.

Comprehensive insurance with Hastings Direct

Hastings Direct is a leading provider of exceptional comprehensive car insurance and we've been awarded a Defaqto 5 Star Rating as testament to our top-level products and customer service.

Our comprehensive policies feature lots of benefits as standard, including personal belongings cover, in-car entertainment and windscreen protection, personal accident cover, medical expenses, courtesy car and EU travel cover.

You can also tailor your policy to suit your needs by choosing from our optional extras, which include enhanced personal accident cover, breakdown cover, and legal expenses protection.

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.

Log in to MyAccount

Log in to MyAccount to manage your policy online. You can view and download documents at your convenience. If your policy number starts with 'XA' you can also make payments and changes to your policy online.

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