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 or frontline health┬ácare 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

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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