Our standard motor policy includes a guaranteed courtesy car whilst your car is being repaired after an accident, as long as you use our approved repairers.
However, if you're involved in accident and your car is a deemed a total loss, or 'write-off' that cannot be repaired, you don't get a courtesy car. But you can add Substitute Vehicle cover to your policy for an extra cost.
This gives you a ‘like-for-like' replacement vehicle for up to 21 days, so your day-to-day life won't be inconvenienced by not having a car.
Cover is restricted to the UK only and to qualify you must have car cover with Hastings Direct. Your car must also be either a private car or small commercial car with a maximum gross weight of 3.5 tonnes.
The insurer is ANV. You're required to notify your insurer of the incident. Full terms and conditions can be found in our optional additional products booklet.