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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

What is An MOT test?

An MOT examiner inspects a car tyre.

MOT certificate

In the UK, any car more than 3 three years old must have an MOT certificate by law. The certificate, which is valid for one year, ensures your vehicle is roadworthy by undergoing a series of tests to measure it against safety and environmental standards.

If you are preparing for your vehicle's first MOT test and aren't sure what to expect — don't worry. We have put together a guide to help you understand the MOT test, how much it costs and what it involves.

The MOT test explained

After your vehicle reaches a certain age — three years — MOT tests are compulsory. Without an MOT certificate, you will not be able to tax your car and update your tax disc.

The test is designed to be comprehensive — it includes checking brakes, steering and suspension. A garage must be certified to perform an MOT test, and no matter where you undergo the test the same things will be checked as standard. Battery, airbags, speedometer will be checked, and your vehicle will be tested to make sure the petrol cap fits securely. The exhaust must be secure and meet MOT emission standards, which are set depending on the car's age and fuel type.

The garage will also check seats and seatbelts, registration plates, windscreen and horn.

Where do you get an MOT test?

There are some 19,000 authorised garages across the country so it's more than likely you can find a garage in your local area to take your vehicle to for an MOT test.

The maximum fee for an MOT test is set by the Vehicle and Operator Services Agency (VOSA), a government agency that oversees the scheme. However, many garages charge less than the maximum fee, so check with a few local garages to find the best price.

Next steps

In the event your car fails the MOT test, you will receive a notification of failure. You will then be responsible for repairing the problem — the most common reasons for a failed MOT test are lighting, signalling and brake problems. Once this is completed, your car will need to be re-tested before it can be designated roadworthy.

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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