Hastings Direct — Car, Van, Bike & Home Insurance

Substitute vehicle cover

Our standard motor policy provides a courtesy car while your vehicle is being repaired after an accident, subject to availability. With our optional Substitute Vehicle Cover, you can get back on the road quickly for up to 21 days in the event of an accident which is your fault resulting in a total loss or an unrecovered theft, anywhere in England, Wales, Scotland and Northern Ireland.

You are covered for:

  • The replacement car will be delivered to you as soon as possible after your insurer confirms your vehicle is written off or is an unrecovered theft.
  • Free delivery and collection of your replacement car to you at any convenient place within England, Wales, Scotland and Northern Ireland.
  • This policy covers you for a replacement car for up to 21 days where your vehicle is stolen and not recovered or written off.
  • The replacement car will be an equivalent engine and seating capacity to that of your own car up to 2000cc, and up to 7 seats.
  • A 24 hour, seven days a week helpline service is provided.
  • You can claim twice (up to 21 days) per policy term.

You are not covered for:

  • An accident that is not your fault.
  • Claims arising from a deliberate, criminal act or an omission other than vehicle theft.
  • Hire charges incurred before the insurer has confirmed acceptance of a claim in writing.

The insurer is ANV. You must notify your motor insurer of the incident. Full terms and conditions can be found in our optional additional products booklet.

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