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We know insurance prices can be a bit confusing, particularly when it comes to your Home insurance renewal. That’s why we want to keep things as simple as possible.

We know that in the past year, there have been significant price increases. So to explain why this has happened, we’ve created this guide to help you understand everything you need to know about our prices.

Your home renewal price explained

<ul>
	<li>Do you have the correct level of contents cover?</li>
	<li>Is your building insured for the correct amount?</li>
	<li>Would you like to be covered for accidental damage?</li>
	<li>Do you have any items worth over &pound;1500 which haven&rsquo;t been included separately? This is known as &lsquo;specified&rsquo;.</li>
	<li>Do you have items that need cover away from home?</li>
	<li>Do you need additional insurance such as home emergency or legal cover?</li>
</ul>

Why have insurance prices gone up so much?

If your price has gone up more than the average, it could be for a variety of reasons:

There are a number of reasons. Firstly, weather-related claims are contributing significantly to the overall cost of claims. As a result of more severe winters, more storms and hotter summers, there&rsquo;s an increase in the number of claims.&nbsp;

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Also, the average cost of a claim is rising rapidly because of an extraordinary combination of factors. These include:

We&rsquo;re aware that insurance prices have risen significantly for some of our customers &ndash; and we&rsquo;re sorry if this has impacted you.&nbsp;

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All insurance companies are facing rising claims costs, and this is causing home insurance prices to go up across the country.&nbsp;

<ul>
	<li>Increases in the cost, and low availability of building materials, such as timber, glass and brick, increasing the cost of repairs.</li>
	<li>The availability of labour, which can cause repairs to take longer.</li>
	<li>Increases in the labour costs for repairers.</li>
	<li>The cost of manufacturing increasing due to increased energy costs.</li>
</ul>

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If you find a cheaper price somewhere else

<a href="/home-insurance/home-renewal-price" 
 onClick="(function(e){
 window.dataLayer = window.dataLayer || [];
 window.dataLayer.push({
 event: 'click',
 event_type: 'link_click',
 link_name: e.target.innerText,
 destination: e.target.href,
 section_name: e.target?.name || undefined,
 journey_type: 'brochureware', 
 application_name: 'brochureware',
 application_domain: 'https://www.hastingsdirect.com',
 page_path: window.location.pathname,
 page_name: 'Home renewal price'
 });
 })(event)"
 >Read more about our renewal pricing approach</a>

We do everything we can to make sure our prices are competitive. However, if you find a better deal from another insurer, please get in touch.

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If you do shop around, please make sure to double check you&rsquo;re comparing your current policy with a new one that has all the same details (the same rebuild cost, same property use, same locks and security features, etc) and also the same cover (for example, it also includes contents cover for specific items, any extra cover you might have such as home emergency cover, and the same excess).

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If you&rsquo;d like to discuss your renewal options, make changes or ask any other questions,&nbsp;please give us a call on&nbsp;<a href="tel:+3333219681" 
 onClick="(function(e){
 window.dataLayer = window.dataLayer || [];
 window.dataLayer.push({
 event: 'click',
 event_type: 'link_click',
 link_name: e.target.innerText,
 destination: e.target.href,
 section_name: e.target?.name || undefined,
 journey_type: 'brochureware', 
 application_name: 'brochureware',
 application_domain: 'https://www.hastingsdirect.com',
 page_path: window.location.pathname,
 page_name: 'Home renewal price'
 });
 })(event)"
 >0333 321 9681</a>.

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If you need to make any changes, you can always update your details and we&rsquo;ll provide a refreshed renewal price.

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While it&rsquo;s a good idea to make sure the quotes you get elsewhere match the details and level of cover you have now, it&rsquo;s also important that your current policy has the right cover for you. 
 
Here&rsquo;s what to check for:

At Hastings Direct, we price competitively

When we work out your renewal price, we&rsquo;re having to pass on the rising costs we&rsquo;re seeing. This means prices are going up for almost all customers. This may be still the case &ndash; even if you haven&#39;t had a claim in the last year.&nbsp;

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We hope that if claims costs reduce in the future, we can start to reduce our prices again.

For every quote we give, we&rsquo;ve already searched a panel of insurers and found the lowest available price. And just so you know, we don&rsquo;t charge any administration or arrangement fees for setting up your home insurance policy.

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Even if prices are going up, we&rsquo;re committed to offering competitive renewal prices. That&rsquo;s why, based on the same details, the price of your renewal quote from us will never be more than a quote we offer to a new customer.&nbsp;

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In fact, a lot of existing customers get a better price than those we offer to new customers.

Claims

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Your price might have gone up if you have made a claim.

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Your personal circumstances

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Your price might have gone up if your personal circumstances have changed &ndash; for example, how you use your home, the number of people in your household or a change in your job.&nbsp;

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Any of these things can impact how insurance companies view your risk.

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A change in risk with your property or location

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Your price might have gone up if the risk of a claim associated with your property or the area you live in has changed (even if nothing has changed for you personally).&nbsp;

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For example, your type of property might have had more claims or might have become more expensive to repair. Or we might have seen increased levels of claims in the area you live in.

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Extremely cold weather

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In some particular types of home, there&rsquo;s been a dramatic rise in claims relating to burst pipes during extremely cold weather. So for these property types, prices are reflecting this new risk.

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Your price might have been wrong

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For a smaller number of customers, we may have got your price wrong last year. This could happen if we incorrectly estimated the chance of a claim for a particular vehicle type or area of the country.&nbsp;

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We constantly review our prices to make sure they&rsquo;re correct. So sometimes this update or correction can impact your price, through no fault of your own.

We always try and make sure your renewal is competitive

Home renewal price | Hastings Direct

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Your home renewal price explained

Why have insurance prices gone up so much?

Our approach at Hastings Direct

We always try and make sure your renewal is competitive

Why are claim costs going up so much?

If your price has gone up more than the average, it could be for a variety of reasons:

At Hastings Direct, we price competitively

If you find a cheaper price somewhere else

Check your level of cover is correct

We’re always here to help