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

True or false? 5 common car insurance myths

When it comes to car insurance, sorting fact from fiction is a tricky business. There are a lot of misconceptions about cover, so it's important to really understand a policy before you buy it. To help you, we've looked at some of the most common beliefs and explain what's right and what's not.

Drivers on a motorway.

1. If my claim's 'non-fault' I won't have to pay my excess

Unfortunately not. The excess is the part of a claim you agree to pay yourself, under any circumstances. Once your insurer has fully investigated the incident they'll know if they can claim the money back they've paid for your repairs. If they can, then you should be able to claim back your costs too.

2. I don't need to tell my insurer if I'm going to pay for the damage myself

All incidents you're involved in are part of your driving history. Your insurer needs to know about every incident to be able to work out what you should pay for your policy. Even if they're only minor, or you plan to pay for the damage yourself, you should still declare them. If your insurer finds out you haven't, your policy could be cancelled and any claims you make can be rejected.

3. I can drive other cars if I've got comprehensive cover

Did you know?

  • There are around 35,760,901 vehicles currently on UK roads, which is roughly one car for every two people.
  • 92% of us consider ourselves good drivers.
  • The UK driving test only has a 50.2% pass rate.

Source: Driven to distraction: 15 fascinating facts about driving in the UK — moneysupermarket.com

Not always, it's best to check. Not all comprehensive policies offer a driving other cars benefit as standard and, even if they do, you should find out what level of cover they offer. Most only provide third party cover, so any damage to the car won't be covered while you're in the driving seat. If you're going to be driving someone else's car a lot, it's worth them adding you to their policy as a named driver. It may cost a little bit more, but it's worth making sure you are fully covered.

4. A normal insurance policy will cover me to do a delivery job

Insurers decide the cost of your policy based on lots of details about you, your job and the kind of driving you do. If you're going to start doing a job that involves you delivering or travelling around in your vehicle then you need to contact your insurer to let them know. You won't be covered if you just have standard social and commuting cover on your policy.

5. Putting my policy in someone else's name is cheaper

While it might make the premium cheaper, this is actually called fronting and it's illegal. Fronting will result in your policy being cancelled, putting you at financial risk.

If you're a young driver there are ways you can lower the cost of your insurance, like choosing a car from a low insurance group or adding a more experienced driver to your policy. Many insurers now offer telematics policies, where a box is fitted to your car. The box gathers data on how you drive and will give you a driving score. The safer you drive, the more you can save at your renewal.

Buying insurance

It's really important to check a policy offers the benefits you really need before you buy it. As these five insurance myths show, honesty really does make the best insurance policy.

At Hastings Direct we pride ourselves on offering customers quality insurance at competitive prices. Our comprehensive cover is Defaqto 5 Star rated and comes with a range of benefits as standard.

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

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