Male and female with two young children packing up red car.

Car insurance policy features

We offer a range of standard features and optional extras with our car insurance policies. Make sure you're getting the right cover for exactly what you need.

What different car insurance features are available?

Car breakdown cover

We offer four levels of optional car breakdown cover, so you only pay for what you need.

European breakdown cover

If you're planning a trip to Europe by car, it's a good idea to check you've got the proper breakdown cover. Our European cover gives you the benefit of a comprehensive level of cover while travelling abroad and we've also put together a list of tips and advice to help you when driving outside of the UK.

Car key protection

No one needs the stress of losing their car keys and having to pay a hefty bill to get them replaced. We offer car key cover of up to £1,500 in the event of you losing or having your car keys stolen.

Legal protection

Motor legal expenses offers cover of up to £100,000 of legal costs to help you claim compensation if you're in an accident that wasn't your fault.

No claims discount

You'll be rewarded with a discount for every year you don't make a claim, applied at your renewal for the following year. If you don't claim on your policy for five consecutive years, you could get up to 25% off.

Personal accident cover

A comprehensive Hastings Direct or Hastings Premier policy includes £5,000 and a comprehensive Hastings Essentials policy includes £1,000 of personal accident cover for you and your spouse / partner as standard. Enhanced personal accident cover provides a greater level of cover for you and your passengers in the event of a car accident.

Substitute vehicle cover

With a comprehensive policy if your car is damaged or a total loss after an accident that wasn't your fault, you'll receive a courtesy car whilst we handle your claim. But, if the accident was your fault and your car can't be repaired, your vehicle is stolen and not recovered or if your car is a total loss due to either vandalism or fire, we won't provide a courtesy car. That's where Substitute vehicle cover comes in providing you with a like-for-like replacement vehicle for up to 28 days.

Uninsured driver promise

Being involved in an accident is never good, but if the other driver was uninsured it can sometimes make it harder. If you're involved in a non-fault accident with an uninsured driver, our comprehensive Hastings Direct or Hastings Premier policies will safeguard you so long as you can provide us with the make, model and registration of the uninsured driver's car and where possible, provide us with the name and address of the uninsured driver.

Vandalism promise

No one wants their car to be vandalised but unfortunately sometimes these things happen. Rest assured your car will be covered in the event of vandalism with one of our comprehensive Hastings Direct or Hastings Premier policies.

Windscreen cover

Windscreen cracks are a pretty common issue with cars and a major source of insurance claims. Most drivers assume that windscreen cover is included as standard with their car insurance policy, but this isn't always the case. Make sure your windscreen is covered to avoid a potentially hefty bill. Windscreen cover comes as standard on both our Hastings Direct comprehensive policies, and our Hastings Premier comprehensive policies. However, it's not included in our Hastings Essential comprehensive policies.

Car insurance

Our Direct and Premier policies are 5 Star rated by Defaqto, so why not get a hassle-free car insurance quote today.

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Log in to MyAccount to manage your policy online. You can view and download documents at your convenience. If your policy number starts with 'XA' you can also make payments and changes to your policy online.

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