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Coronavirus update Last updated 9th July 16:00

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In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will 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, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, 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 help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

Hastings Direct.
i

Coronavirus update Last updated 9th July 16:00

Show more

  • We hope you and those close to you are keeping safe. Our teams are now working from home so we're very sorry if you notice the sound quality isn't as good as usual or you experience periods of silence. We're working hard on improving this so please bear with us.
  • Please help us prioritise urgent calls by only phoning us if you want to discuss your renewal or you're thinking of cancelling your insurance, or you're in financial difficulties and you're worried about payments, or you're an NHS or frontline healthcare worker.
  • For anything else, you can now manage your policy online. For latest advice and help to use our online tools, read our Coronavirus FAQs.

In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will 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, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, 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 help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

Third party car insurance

Car driving on a motorway.

If you need to insure your car, there are three main cover options to choose from: third party only, third party fire and theft and comprehensive insurance. Here's all you need to know about third party car insurance cover.

What is third party car insurance?

Third party insurance is the most basic level of cover you're legally required to have in order to drive your car on public roads in the UK.

If you're involved in an accident and you're found to be at fault, third party only insurance covers losses to any third party cars or property, but it doesn't cover your car. Likewise, with this type of cover, you won't receive a payout to repair or replace your car if it's damaged or stolen.

What does third party insurance cover?

  • Losses from damage to third party cars
  • Losses from damage to third party property
  • Third party medical expenses

If the accident is deemed your fault, you'll be expected to pay the excess agreed at the time of taking out insurance.

Do I need third party insurance?

Yes, a minimum of third party car insurance is required by law – you could be fined thousands of pounds if you're caught without appropriate cover. As third party is the most basic level of insurance, you might choose to boost protection with a more thorough policy:

  • Third party, fire and theft features all the benefits of third party cover but also offers protection if your car's damaged by fire or is stolen. If you're in an accident and deemed at fault, you could find it's your responsibility to cover any medical or repair fees.
  • Comprehensive insurance offers the highest level of protection as it covers damage to your own car. This means your insurer will pay to repair or replace your car up to its current market value, even if you're thought to be responsible for causing the accident.

Is third party insurance cheaper?

You may be wondering, what are the advantages of third party insurance? Well, these policies were traditionally cheaper than other types of cover, but today, you're likely to find comprehensive insurance can be the most affordable option.

This is all to do with statistics. Drivers with less experience are more likely to take out third party insurance, but they're also more likely to have a crash and claim. Insurers therefore have to raise premiums to balance the risk, which unfortunately also affects drivers with lots of experience and who have a claim-free driving history.

Of course, there's no definitive answer to 'How much is third party insurance for a car?' It's not just stats insurance providers take into account when calculating cover; things like driver history, experience, occupation and where you keep your car during the day and night all play a part.

Can I drive someone else's car with third party insurance?

With third party insurance, you're not covered to drive someone else's car, even if they give you permission. You need to have a comprehensive policy to do this – and even then there may be some restrictions, so it’s important to check the terms and conditions with your insurer.

If you drive someone else's car under a comprehensive policy, bear in mind you'll only have third party protection.

Do you have to pay excess towards a third party claim?

If you're involved in an accident and the other driver claims against you, you don't have to pay the excess – your insurer will cover this. As we mentioned, you can't claim if your own car's damaged in the accident or you're injured and need medical attention. You'll have to cover the associated costs.

So, is third party the right option for you?

The most important thing to bear in mind with third party cover is if you're ever involved in an accident you'll have to cover all personal costs. Could you afford to repair your car if it was severely damaged? Or replace it altogether? If your car is cheap or you think you'd be able to do a lot of the repairs yourself, third party cover could be a good option for you.

If you start looking around and third party comes back the cheapest option, remember the level of protection you actually get is far less than if you were to take out comprehensive insurance and you'll probably have to pay out much more in the event of an accident.

Third party insurance with Hastings Direct

If you're after third party car insurance for a price that won't break the bank, look no further than Hastings Direct. All of our policies are packed with lots of benefits as standard, along with a number of optional extras so drivers can tailor cover to suit their needs. To see how much you can save, get a quote today.

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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