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┬ácare 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

Home emergency cover

Ever thought about what you'd do if your boiler breaks down, the power goes off, or one of your pipes springs a leak? In any of these cases, you'll need help — and fast. And that's where home emergency cover comes in.

What is home emergency cover?

Home emergency cover offers protection for unexpected household emergencies. The level of cover will vary between providers but in most cases, you'll be protected from:

  • Faulty heating systems
  • Boiler break downs
  • Plumbing and drainage issues
  • Roof damage
  • Failure of power or gas supplies
  • Damage to external locks, doors and windows.

In the event of an emergency, you'll need to ring the helpline provided by your insurer, who will send out an approved tradesperson to fix any issue that needs immediate attention.

If you want to use a certain tradesperson to carry out the work, double check that your insurer has approved them, otherwise you might not be covered.

How is emergency cover different to home insurance?

Home insurance policies cover costs incurred as a result of fire, flood or theft to your home, but they won't generally cover emergency situations.

Some home insurance policies include emergency cover as a standard feature, but in most cases it'll need to be bought as an extra. In fact, home emergency cover is one of the most popular extras homeowners add to their insurance policies.

Do I need home emergency cover?

Home emergency cover is only suited to homeowners. If you rent your home then you don't need to worry, as it's your landlord's responsibility to arrange home insurance, as well as emergency cover.

If you're a homeowner and have buildings and contents insurance, make sure you read through the policy documents so you know what you're already covered for. You don't want to end up paying for the same cover twice.

Home emergency cover with Hastings Direct

Our home emergency cover is available as an optional extra with our home insurance policies or as standard with Hastings premier. You'll be covered in the event of a sudden and unforeseen incident at your home which immediately:

Did you know?

  • 1st December is the most popular date for your boiler to breakdown.
  • 43% of Brits lived without hot water or heating for nearly a week after a boiler breakdown.
  • 25% will attempt to fix their boiler after some internet research — this is very dangerous.

Source: www.themoneypages.com

  • Puts your health, and the health of other people living at your home, at risk.
  • Creates a risk of damage or loss to your home.
  • Renders your home unfit for people to live in.

Specific features and benefits of our home emergency cover include:

  • Sudden damage to, or failure of, your plumbing and drainage system, including blocked drains, leaking pipes, blocked water tanks, and toilet waste pipes blockages.
  • Professional extermination and control of pests in your home and within any adjoining buildings.
  • Damage to the roof of your home caused by storms, and/or fallen trees and branches.
  • Damage caused to outdoor locks, doors and windows, which makes your home insecure.
  • Complete failure or breakdown of either the heating and/or hot water supply provided by your primary heating system.

With our home emergency cover, you'll receive timely assistance through a dedicated helpline. We'll pay up to £1000 per claim, including parts, labour, material and VAT to carry out an emergency repair. If your home becomes uninhabitable as a result of the emergency, we'll also pay up to £250 for overnight accommodation.

What's not covered?

  • Leaking or dripping taps that need replacing or re-washering.
  • External overflows or replacements of tanks, cylinders, radiators and sanitary ware.
  • Leaking washing appliances fitted with a stop tap.
  • Failure of boiling or heating systems that haven't been properly maintained.
  • Loss or damage incurred before the start date of the policy.
  • Emergencies in a home which hasn't been occupied for over 30 consecutive days.
  • Claims made within the first 14 days of the policy start date.

Making a claim

If you need to make a claim, please call us on 0800 633 5088. You'll be asked to describe the emergency, then we'll arrange for a contractor to visit your home and carry out the necessary repairs.

Get a home quote

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