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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

Why Christmas and contents insurance go hand in hand

There are probably plenty of things you'd rather be doing this weekend than calculating your home contents insurance. But with Christmas just gone, this can be the best time of year to do it.

According to a survey by events agency Chillisauce, Christmas Eve is the most popular day to propose. So, if you're now sporting some special jewellery on your left hand, you'll want to make sure it's insured. And it's not just engagement rings you need to think about – what about those high value gifts we often get at Christmas? If you've got a new laptop or tablet, you need to get that covered too.

Why it's important to keep your contents up-to-date

Underestimating the cost of replacing the contents of your home could mean you end up thousands of pounds out of pocket if you make a claim. And suffering the loss of personal items can take its toll emotionally too. If your contents are calculated properly, you can at least take some of the financial strain out of the ordeal.

The main reason you should review your contents regularly is because the value of your items are likely to change, particularly after Christmas. Sophisticated technology like flat-screen TVs and the latest smartphones can all drastically increase the collective total of your homes contents.

Some insurers will automatically increase your cover over December and January, to cover the expensive gifts you might have in the home during and after the festive period. Make sure to check your insurance documents to see if this is included as part of your policy.

How do you work out what to cover?

Home contents don't just refer to valuables like expensive electronic equipment and jewellery. Everything you might need to replace in your home should be listed, including soft furnishings like curtains and carpets. Standard policies will insure your belongings on a 'new for old' basis, so they'll be replaced with items of the same value, apart from clothes (where the value decreases over time to allow for wear and tear).

The best way to calculate the value of your contents is to look at each room and break down each item with an estimation of how much they cost. You can find online tools to help you figure this out. Common items to consider include:

  • Sofas and armchairs
  • Units of furniture such as bookcases (don't forget the books too)
  • Washing machines
  • Bicycles
  • IT equipment
  • Garden furniture
  • Kitchenware

Digital downloads are also something you might need covered, so check with your insurer if you need to take this into consideration. And don't forget to insure those things you carry around with you in your bag or pockets on a daily basis!

Contents cover for expensive items

Insurers set limits for how much they're willing to pay out, so don't assume your expensive items will all be covered. If you have an item that's particularly expensive, speak to your insurer directly about it. You may even need to get specialist insurance.

When to review your cover

There are some key times to review your home contents insurance:

  • When you move in with a partner
  • If you get married and receive lots of gifts
  • When children leave home for university
  • After redecorating or renovating
  • After Christmas or a big birthday.

You might need to provide proof you owned the items in order to make a successful claim. This is to prevent fraud where people claim for items they don't actually own. Your insurer will be able to tell you what you might need to provide as proof- you may need to take photographs of the items or show proof of purchase.

It's a good idea to scan receipts for expensive items, saving the documents and any online receipts into a folder you know you'll still be able to access in an emergency.

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...