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 or frontline health 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

Are your personal belongings protected?

Collection of personal items on a desk.

Our homes are crammed full of our precious belongings. This doesn't just include valuable things like TVs, laptops and games consoles, but also the more sentimental items – like family photos or ornaments passed down through generations.

It's the things inside a house that make it a home. But new research from the Association of British Insurers (ABI) has revealed many homeowners are putting their belongings at risk by not insuring them.

According to the study, based on analysis of ONS data, one in four households in the UK have no protection for their home contents. Londoners are the least protected, with just 55% having a contents policy, while people in Northern Ireland are the most concerned about their belongings with 82% having cover.

Cost of home insurance at record low

ABI's research also showed the cost of home insurance is at a record low. The average annual policy stands at just £127 a year. That's just £2.40 per week – less than the average weekly spend on takeaway! To compare, the weekly average was £4.40 back in 2012, so almost double.

Still, around six million people currently have no insurance in place to protect their belongings.

ABI's senior policy adviser of general insurance, Laura Hughes, says many people are playing 'Russian roulette' with their possessions.

"For some people on lower incomes and renters, especially in cities, insuring your possessions may be seen as unaffordable or unnecessary. But spend a few minutes totting up the value of all your possessions and you'll realise they can add up to a significant sum if they all need to be replaced at once."

Why you need contents

The fact contents cover's at an all-time low is a great incentive to take out insurance if you haven't already. But more importantly, contents insurance will give you peace of mind your possessions are protected should the unexpected happen.

Contents insurance will pay out if your belongings are damaged by things like fire, water leaks and storms, or if they're stolen. It essentially covers all the items that aren't permanent fixtures in your home – so your sofa, fridge, rugs, dining table and so on.

You can use a calculator to add up the value of items, like this one on Confused.com. Doing this will make sure you're not underinsured, or overinsured and paying too much for cover.

Most homeowners choose to combine contents and buildings cover under one easier-to-manage policy. Buy a Hastings Direct policy and you could save up to 20%, too.

What if you rent?

If you rent, it's still your responsibility to arrange contents cover for your belongings. It's down to your landlord to sort out buildings insurance and cover for any furnishings they own – it's worth checking your tenancy agreement to make sure they have the right cover in place.

When it comes to contents insurance, a lot of homeowners and renters leave it until it's too late. Start protecting your possessions today by getting a competitive quote for home insurance from Hastings Direct.

Home insurance

At Hastings Direct, we know how important your home and its contents are to you. That's why we offer home insurance that covers you for the unexpected expense that theft, loss and damage can bring. Plus you can choose from a great range of optional extras.

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