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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

Types of car cover

Red car with knight and seagull.

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.

› Comprehensive

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.

› SmartMiles

SmartMiles is our telematics policy that rewards safe drivers with cheaper premiums. It's most suited to young or new drivers who often face higher insurance costs. A ‘black box' will be fitted to your car to monitor your driving and we'll use this data to calculate your price at renewal.

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.

Join us...