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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

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  • 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

Home makeover? What your insurer needs to know

Are you planning to revamp your home this year? Upgrading the kitchen, adding an en suite or converting your loft can all add value to your home when you come to sell.

Or you might not have any intention of putting your home on the market – maybe you just want to make it a more comfortable, practical and inviting space to live in?

A study, cited by the Independent, found the number of people opting to improve their existing home rather than up-sticks increased from 3% to 15% between 2013 and 2018.

Telling your home insurance provider

Whatever your motive, make sure you tell your home insurance provider about it. If you added a conservatory to your home, for example, but didn't let the insurance company know, your policy may become invalid.

While smaller, cosmetic tweaks to your home are unlikely to affect your cover, most insurers will want to be kept in the loop about larger projects – whether you're taking it on yourself or leaving it to the professionals. Here's why...

Tweaking your cover

As Compare the Market explains, a big renovation project – like an extension or loft conversion – is likely to increase the value of your home and, therefore, the cost to rebuild it if it was damaged beyond repair. That makes it a bigger risk for insurers, so your premium is likely to increase as a result.

If you need help calculating the rebuild cost you can use this handy calculator on the Association of British Insurers' website.

If you're planning to leave your home while the work is being done, you'll need to tell your insurer, too. Most providers will insure an unoccupied home for up to 30 days as standard, but longer periods will require additional cover.

Additional insurance

Depending on the nature of the work, you might want to take out extra cover, like accidental damage. This will help protect you if you accidentally damage the building or your belongings while carrying out the work.

Legal protection could also come in handy if you have an issue with the contractor you've hired. You could get your money back if, say, they went bust after failing to finish the job.

Our verdict

Our top piece of advice would be to get in touch with your insurer if you're not sure whether the work will impact your cover. Just use your common sense: your insurer won't need to know you're painting a room or changing door handles, but you should tell them about work that will significantly change your home's look, boost its value or alter the structure of the building.

Always get in touch with your insurer before the work is carried out, to give them time to assess the risk to the property and adjust your premium.

If your home insurance policy is up for renewal, find out how much you could save with cover from Hastings Direct. Get a quote today!

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.

Join us...