The following terms also apply to your use of our website, products and services:
About our company
This website (www.hastingsdirect.com) is managed by Hastings Insurance Services Limited, whose registered office is Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW (registered in England and Wales no. 3116518).
We're regulated by the Financial Conduct Authority with the register number 311492.
Here's how to get in touch.
What you can do on our website
On our website, you can get a quote and buy an insurance policy. You can also register for and log in to MyAccount, where you can view, download or print your policy documents and most of the emails or letters we send you, at a time that suits you.
The insurance offered on our website is arranged and managed by Hastings Insurance Services Limited. We are an insurance broker, acting on behalf of several insurers, and we may change the insurers we use without giving you any notice.
Policy documents and information
If you'd like to use our online services, you'll be taken through to the website's secure area ('https:' will show in your browser's address bar). Here you'll have online access to our product documents and information, including key policy information, policy terms and conditions and other important legal information. Before getting a quote or buying a policy online, you should read these product documents carefully to make sure you understand what you're buying.
If you buy insurance through the website, you'll find all the important information about your cover in your welcome pack. This will be saved online in MyAccount for you to view, print or download whenever it suits you.
If you'd like paper copies of any documents, you can request these using MyAccount.
Access to our website and its availability
Using our website is free of charge.
You should only use the website if you're a UK resident, and all of our services and information relate to insurance policies that are subject to English law. Please don't use our website in countries where you're restricted or prohibited from doing so by local laws, regulations, codes or customs.
We cannot guarantee our website will always be available for you to use, or that your access will always be uninterrupted or error-free. We may have to suspend, withdraw or restrict the availability of all or part of our website for business or operational reasons, but we'll always try to give you reasonable notice if we need to do this.
We're not responsible for viruses
We can't guarantee our site will be totally secure or free from bugs or viruses. We also can't guarantee that using the website or downloading something from it won't cause damage to your property. This could include loss of data or a computer virus, as well as any other damage.
This means you need to be responsible for your own IT, computer programs and platform so make sure to use virus protection software.
Accuracy of information
Although we work hard to make sure the information on our website is correct and up to date, we can't totally guarantee its accuracy so we won't be responsible if there are any mistakes or we've missed something out.
Also, some of the information on our website is provided by third parties and we have no control over the accuracy or completeness of this information.
We don't give advice on our site
None of the information on our site is intended as advice, so you shouldn't rely on it and we won't be responsible if you do.
How we use your personal information
By using our website you're agreeing to our Privacy Notice, so please make sure to read it carefully.
We can't guarantee that any messages sent by email are completely secure. This means we're not responsible if any emails are intercepted by third parties or if you or anyone else suffers any loss because of a message sent over the internet.
Keep your MyAccount details safe
To register for MyAccount you'll need an email address and a unique password that needs to be kept secure. Once registered for MyAccount (and if you have a car policy with us) you can also use the Hastings Direct App. If you know or suspect that anyone other than you knows your password, you must tell us. Here's how to get in touch.
We don't approve user-generated content
We encourage customers to leave reviews through our website, but we don't verify or approve this content and it doesn't represent our views or values.
How to complain about user-generated content
If you want to complain about content uploaded by other users, here's how to get in touch.
Uploading content to our site
If you upload any content to our site, or make contact with other users of our site, you must follow the requirements set out in the below sections 'Acceptable use of our website' and 'Our content standards'. We can remove any post we feel doesn't comply with these sections.
If we suffer any loss or damage because you don't follow these standards, you may have to pay us compensation.
Any content you upload will be considered non-confidential. You'll still own your content, but we and other users of our site will have a limited licence to use, store and copy your content and share it with third parties.
We may also disclose your identity to any third party who claims that your content goes against their intellectual property rights or their right to privacy.
Other than the policy documents stored in MyAccount, you're responsible for securing and backing up your content.
Our content standards
These content standards apply to any content you add to our site. We'll decide whether your content meets these standards.
Your content must:
Your content must not:
Acceptable use of our website
You can only use our site for lawful purposes. You must not use our site:
You must not:
Linking to our site
The copyright of the website and all of its content belongs to Hastings Insurance Services Limited. You can display, retrieve, print, copy or download our content for your personal use only or, if relevant to your policy, your company's use. For any other use, you'll need our written consent.
Using our website or its content for any commercial benefit will be taken seriously and we'll take the necessary action to protect our intellectual property rights.
The names Hastings Insurance Services Limited, Hastings Direct, Hastings Essential, Hastings Premier, Hastings Direct SmartMiles, Insure Pink, and People's Choice and Hastings Direct YouDrive, along with any of our images, logos, icons and trademarks, are owned by Hastings Insurance Services Limited. The names, images, logos and icons of third party companies, products or services featured on the website are the trademarks of their respective owners.
Unless agreed with us in writing, you cannot use any featured name, image, logo or trademark. If you do, it could be an infringement of our, or a third party's, rights as owner.
We may transfer this agreement to another company
We may transfer our rights and obligations under these terms to another company. We'll always tell you in writing if this happens and we'll make sure the transfer won't affect your rights under the contract.
Limitation of liability
If any defective digital content on our site damages your device or digital content, and it's because we failed to use reasonable care and skill, we'll either repair the damage or pay you compensation for any direct losses you've suffered. However, we won't be responsible if the damage is caused by you not following our advice to apply a free update, not following our installation instructions correctly or not having the minimum system requirements we advise.
If you're a consumer
As a consumer, our site is provided to you for domestic and private use only. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption or loss of business opportunity.
If you're a business
Other than as set out under 'General' above, we exclude all implied conditions, warranties, representations or other terms that may apply to our website or any content on it. We're not responsible to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise, even if foreseeable, arising under or in connection with:
In particular, we won't be liable for:
Governing law and jurisdiction