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Home insurance policy features & extras

You can get home insurance cover for your household contents, the building itself, or both building and contents combined.

Home insurance policy features & extras

Your home insurance cover includes:

  • No claims discount
  • Replacement locks if your keys get stolen
  • New-for-old cover (except clothing and household linen)
  • Alternative accommodation cover
  • Freezer cover
  • 24hr claims helpline.

On both buildings and contents cover you can extend the standard cover to include further accidental damage, to protect against those little accidents that happen from time to time; such as spilling paint on the carpet or a DIY disaster.

You'll also have the option to extend standard contents cover to cover items away from the home; such as pedal cycles, items of jewellery or sports equipment.

Plus, you can tailor your policy to your needs by choosing from these optional extras:

Home emergency cover

With home emergency and boiler cover from Hastings Direct, you receive emergency property assistance with 24 hour access to a specialised team who can appoint a qualified tradesman 365 days a year. It provides cover for things like your primary heating system failing, failure of the electricity or gas supply or infestation of pests.

Home emergency cover

Home legal expenses

As an optional extra you can add home legal expenses that covers you and your family living with you with up to £100,000 towards legal costs to support you with employment disputes, contract issues, disputes or damage to your home, personal injury, clinical negligence, probate disputes, school admissions disputes and tax disputes. Our home legal expenses cover also gives you and your family unlimited 24-hour access to RAC's Legal Helpline to discuss any personal legal and debt matter.

Home legal expenses

Key protection

Home key cover from Hastings Direct covers you for up to £1,500 in the event that your home key is lost, stolen, or broken in the lock. Find out what else is covered with home key cover.

Key protection

Home insurance

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.

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.