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/critical care 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

Legal protection

Legal protection (also known as legal expenses cover) protects you against possible costs of legal action following an accident.

Perhaps you want to pursue legal proceedings against another driver for their actions, or maybe you need to defend yourself against accusations another driver has made against you. Either way, there will be a price to pay.

Legal expenses cover isn't usually a standard feature on car insurance policies, so you'll need to purchase it for a small, additional cost.

What's covered?

Say your car was badly damaged in an accident and the other driver was found to be at fault. If you need to use taxis or hire a car while yours is in the garage, legal expenses cover will recover these costs from the driver who's at fault and their insurance provider.

As well as travel expenses, legal protection can be used to recover out of pocket expenses (such as phone calls to your insurance provider) and medical expenses, including loss of earnings as a result of the accident.

What isn't covered?

The exact terms of legal cover will vary between providers, but there are a number of common exclusions. These include:

  • Costs incurred from a claim made against you if you were found to be under the influence of alcohol or drugs.
  • Any expenses incurred before your claim is accepted.
  • Fines for motoring or criminal offences.
  • Compensation awarded to the other driver.

The important thing to bear in mind is that there's no guarantee that your provider will accept your claim. Your claim could be rejected if you wait too long after the accident to contact your provider, or if your provider believes that the amount being contested isn't high enough to warrant court proceedings.

So, is it worth it?

Legal costs can be extortionate, which is why many people choose to take out legal cover in addition to their car insurance. At the very least, if you ever find yourself in court, you won't be the one paying the solicitor's fees.

How to claim

If you take out legal cover and need to make a claim, it's best to contact your provider as soon as possible following the accident. The legal team will contact the other driver's insurer to make them aware that you want to recover costs not covered by standard car insurance. If successful, your case will be handed to a solicitor who will take the process forward from there.

Legal expenses cover with Hastings Direct

Our legal expenses policy, provided by Allianz Legal Protection, a trading name of Allianz Insurance plc, provides up to £100,000 of legal cover when claiming for an accident that's not your fault.

Our legal expenses cover offers assistance for:

  • Compensation for not being able to use your car.
  • Any excess you may have paid under your car insurance policy.
  • Compensation if you or any of your passengers are injured or killed.
  • Compensation for damage to your clothes, luggage or personal items.
  • Reasonable costs for a hire car whilst yours is being repaired.
  • Repair costs if you don't have comprehensive motor insurance cover.
  • Legal costs to defend prosecution arising from a motoring offence.

With our legal expenses cover, you can make a claim up to 180 days after your accident. You'll also have 24-hour access to a telephone helpline service, where you can get advice on any private legal matter.

What's not covered:

  • Legal costs you pay before Allianz Legal Protection agrees to pay them.
  • Claims made if there is less than a 51% probability of success.
  • Claims based predominantly on stress, psychological or emotional injury.
  • Claims relating to an agreement you have entered into with another person or company.
  • Claims for parking offences.
  • Claims for motoring prosecutions where your motor insurers have agreed to provide your legal defence.

You may be able to get legal support after an accident without this policy, but you'll need to arrange this yourself.

Full terms and conditions of our legal expenses cover can be found in our optional additional products booklet.

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.

Log in to MyAccount

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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