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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

Show more

  • 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

How to climb up the property ladder

If you're a first time buyer, you'll find plenty of advice and guidance online to help you take your first step on to the property ladder. But what about when you're ready to climb up to that second, equally important, rung? Whether you've outgrown your current home or want to relocate to a new area, what do you need to know about moving onwards (and upwards)?

Image of model house held in someone's hand.

In some ways, as a 'second stepper' you have an advantage over first-time buyers, because you'll have been through the process before. You know what you're doing and you know how much it costs to run a home. Expenses like basic home maintenance and home insurance are part and parcel of owning your own home, but there will be other things you'll need to be aware of.

The Costs

This will probably be the first time you've had to think about selling a property, so make sure to budget for extra costs you might not have had first time around. Your home will need to be valued (at least once) and you'll have to make sure it's in tip top condition to attract potential buyers. Get all your paperwork in order too, you'll need an energy performance certificate (EPC) if you haven't already got one.

You'll also have to find a bigger deposit for your new home — The Telegraph reports 'second-steppers' will need an extra £58,400 to cover the difference between the sale price of their first home and the cost of the house they'd like to move to. That's more than double the average £25,900 first-time buyers need to find for their deposit.

Often the reason you're looking to upsize to a bigger property is because your family is growing, which makes it tricky to build up enough savings to cover these costs. The Money Advice Service offers some helpful steps to making saving for a deposit more manageable.

Did you know?

  • If you're in your mid-40s you'll probably only be offered a 20-year mortgage term, so your monthly repayments are likely to be higher.
  • Londoners think they need to squirrel away the most in order to move, estimating they'll need an average £12,946.
  • 34% of homeowners think it will be difficult to move, with 35-54 yr olds expecting it to be particularly tough-going.

Source: Why it's getting harder to move up the property ladder — moneysupermarket.com

The Chain

As you already own a home that has to sell before you can move, likewise, the people who want to buy your property will probably need to sell their home. This creates the property chain, and the number of links in the chain will affect how quickly things happen. According to a 2016 Which? survey, around three in 10 (28%) people have experienced a house purchase falling through, so try to prepare yourself on what to do if the worst happens.

Getting the right mortgage

Most people, even if they have a mortgage already, will need to borrow more in order to move. Make sure to look into the different types of mortgages, to get the very best deal for you. There are plenty of tools and help available online, and you could even speak to a mortgage adviser. You'll need to work out which mortgage will be cheapest for you, which means fully understanding the different interest rates and fees, plus all the different products that are available.

Most mortgage providers insist you have a buildings insurance policy in place. At Hastings Direct, we offer quality insurance at competitive prices. Our home buildings and contents policies are Defaqto 5 Star rated and come with a range of benefits as standard.

Get a quote today and see how much you could save.

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