Types of car cover

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

Trying to work out what kind of car insurance to buy? With so many policies to choose from, it can be a difficult and overwhelming task trying to work out which cover best suits your needs.

While it's tempting to go for the cheapest policy, you also want to be confident that if you have an accident and need to make a claim, your insurer will be there for you. It's important to take the time to work out what you need and make sure you choose a policy that gives you ample cover for a competitive price.

Here's a simple guide to car cover to help you find the right insurance, at the right price

Levels of cover

When selecting a policy, there are three levels of cover to choose from: third party; third party, fire and theft; and comprehensive. Here's what each gives you:

Third party

Third party insurance is the minimum level of cover required by law. The benefits are basic: if you're involved in an accident, the insurance covers the cost of damage caused to the other driver's vehicle, as well as any treatment fees if the other driver is injured.

But if your own car's lost, damaged or stolen, your insurer won't pay anything towards replacing or repairing it; and you won't be covered for personal injuries. Surprisingly, although this is the most basic level of cover, it's not always the cheapest.

Third party, fire & theft

This level of cover provides all the protection of third party insurance plus it will cover repair or replacement costs if your vehicle's stolen or damaged by fire.


This is the highest level of cover and provides protection for fire, theft and damage to your car as well as other vehicles. If you're involved in an accident and it's your fault, comprehensive insurance covers the cost of repairs as well as treatment fees if you need medical attention. If the accident is another driver's fault, their insurance will cover these costs.

The exact features and benefits of the three levels of cover will vary between insurers though.

Hastings Direct policies

Here at Hastings Direct, we understand that no two drivers are the same. That's why we offer a range of policies with different features and benefits:

Hastings Essential

If you're after basic and affordable coverage, look no further than our Hastings Essential insurance. This no-frills policy makes sure you're not paying extra for features and benefits you don't necessarily need.

Hastings Direct

Our standard cover is Defaqto 5 Star rated and includes benefits such as courtesy car, windscreen cover, personal accident cover, uninsured driver and vandalism promises.

Hastings Premier

Our Hastings Premier policy is also Defaqto 5 Star rated and provides a range of additional features as standard. With a Premier policy you'll enjoy benefits such as legal protection, roadside assistance and breakdown recovery.

Multi car

If you have two or more cars at your address, you and the other driver could save hassle by taking out our multi car insurance policy. Comprehensive benefits include windscreen and windows cover, EU cover for up to 90 days per trip and £5,000 personal accident cover.

You don't need to be related to the other driver to reap the benefits of a multi car policy – you just need to live under the same roof.


Our Hastings Direct YouDrive insurance allows you to share your driving data with us through our app to get a great price on day one and, as long as you drive well, great prices year after year.

But our policies don't stop there – Hastings Direct can also provide insurance for your bike, van or home.

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.