Types of car cover

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.

    Types of car cover

    Level of cover

    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

    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.

    Hastings Online

    Multi car


    Car insurance

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

    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.