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

Uninsured drivers penalties & facts

A damaged car from a hit and run.

With 1.2 million motorists driving on Britain's roads without even a basic level of car insurance cover, insurance fraud is a big problem and costs the insurance industry £500 million a year, according to the Institute of Advanced Motorists in July 2013.

While some drivers deliberately chance their luck, many simply forget to renew their policy on time. And while many motorists may think they're covered, there are lots of things which can invalidate a policy. If a driver is caught with an invalid policy, they might have to pay for the damages out of their own pocket.

Whatever the reason, failing to take out a valid car insurance policy isn't treated lightly by the law. It's illegal and the consequences could be very severe. Not only can you be fined up to £5000 and incur six or more penalty points on your licence, the police are well within their rights to destroy your vehicle.

Check out more facts about what could happen if you are caught driving without car insurance …

Driving without insurance: the facts.

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Read our Uninsured Drivers guide (pdf) to find out what happens when there is a collision and one party is uninsured. Our guide could help answer your questions around rights, claiming damages, and proving who was at fault.

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