Hastings Direct car insurance review
5 star Defaqto rated
Range of cover to suit individual needs
Hastings Direct car insurance products
Like many other insurers, they also give customers the option to insure multiple cars on one policy under their multi-car insurance.
Hastings Direct were voted car insurance provider of the year in the Moneyfacts Consumer Awards in 2018, with the award voted for by the general public.
What cover does Hastings Direct offer?
Hastings Direct offer the three core levels of car insurance: third party only, third party, fire & theft and fully comprehensive.
Hastings Direct third party only
Third party insurance is the minimum cover you can legally drive with. Taking out a third party only policy with Hastings car insurance will provide you with:
- Cover for the damage sustained by another driver’s car and/or property
- Cover for any medical expenses accrued by a third party in the event of an accident
- Cover for any medical expenses accrued by a passenger in your car
Your own car is not covered in the event of an accident, nor is it covered against theft or fire damage. You won’t be covered for any injuries sustained by yourself.
Hastings Direct third party, fire and theft
Third party, fire and theft cover offers everything that is included in a third party only policy, with the added bonus of:
- Cover for your car if it is stolen
- Cover for your car if it is damaged by fire
Hastings Direct comprehensive cover
Comprehensive car insurance is typically the most complete type of cover, offering everything mentioned above and more.
Hastings have three levels of comprehensive cover: Hastings essential car insurance, Hastings direct car insurance and Hastings premier car insurance.
Their cheapest comprehensive cover policy, Hastings essential, includes:
- Cover for your own vehicle if you have an accident
- Cover for any accidental damage sustained by your vehicle
- Cover for any damage sustained by your vehicle when the culprit is unknown
- A guaranteed courtesy car while your vehicle is being repaired
- The option to protect your no-claims bonus
Hastings direct, their mid-range comprehensive cover policy, offers all of these benefits, as well as:
- Cover for damage to your windscreen
- Personal accident cover (up to £5,000)
- Safeguarding when in a non-fault collision with an uninsured driver
- Cover against vandalism to your vehicle
- Cover for children’s car seats
- Cover for fitted in-car entertainment systems
- Cover in the EU
Hastings’ most comprehensive level of cover, Hastings premier, provides all of the benefits of their Hastings direct policy with some additional benefits, including:
Hastings direct smartmiles
Hastings also offer a black box (or telematics) insurance policy called Hastings direct smartmiles.
Ideal for new drivers, smartmiles black box insurance can use selected driving metrics to set the cost of your future insurance premiums.
Smartmiles insurance is available as both a fully comprehensive or third party, fire and theft policy, the benefits of which are listed above.
For a more detailed look into the different levels of car insurance available, head over to Bobatoo’s car insurance buying guide.
Hastings multicar insurance
If, like is often in the case in the UK, you have more than one car at your address, you could save money by insuring them both under one Hastings multicar insurance policy.
Hastings multicar comes with the same cover offered by the Hastings direct policy, with the option to add extras like legal protection and breakdown cover.
Hastings car insurance - optional extras
If they are not already included in your insurance package, Hastings allow you to add the following benefits to all fully comprehensive and third party, fire and theft policies:
This is essentially insurance for the keys to your vehicle, home or office keys in the UK. You can claim using Hastings’ car key cover if you have:
- Broken your key or lock
- Locked your key within your vehicle
- Had your keys stolen
All thefts must be reported to the police and a crime reference number must be obtained as soon as possible.
If you find yourself stranded more than 20 miles from home due to lost or stolen keys, your insurance will increase to £75 per day for a hire car (max 3 days) or reimbursement, within reason, of public transportation costs.
Hasting Direct’s motor breakdown insurance policy is provided by AXA and the RAC and comes with varying levels of cover, ranging from roadside assistance to roadside, recovery, home service and European cover.
For a more detailed look at breakdown cover, what it offers and what level of protection you should purchase, visit Bobatoo’s complete guide to breakdown cover here.
Motor legal expenses
Hastings’ motor legal expenses are provided by Allianz Legal Protection and Inter Partner Assistance S.A, covering you for up to £100,000 in legal expenses if you are involved in an accident which causes death or injury, damage to your vehicle or property or loss of money through other expenses such as policy excess, car hire or loss of earnings.
To find out more about the protection offered by adding motor legal expenses to your policy, read Bobatoo’s guide.
Personal accident insurance
Hastings’ personal accident insurance will pay out up to £20,000 if somebody within the insured car suffers:
- Accidental death
- Total and irrecoverable loss of sight in either one or both eyes
- Loss of a limb
- Loss of hearing
- Loss of speech
- Permanent total disablement
The cover also offers benefits which can be claimed in the event of a carjacking or assault stemming from ‘road rage’. These include:
- £100 daily cash benefit if you are hospitalised following an assault
- Up to £250 in emergency dental treatment if required following an assault
- Up to 5 sessions of stress counselling following a claim for bodily injury
How much does Hastings Direct car insurance cost?
As is the case with any other type of insurance, there is no set price.
Your insurance premium will be personalised to you, taking into consideration:
- Your age
- Your driving history
- Your address
- Your job
- Your estimated annual mileage
- Your car
- Where your car is kept, both overnight and throughout the day
Hastings customer reviews
See below for the latest ratings on Hasting Direct’s car insurance, left by customers and taken from a wide range of customer review websites.
|Review company||Rating (out of 5)|
|Smart Money People||3.5|
For more reviews of the best car insurance providers and policies in the UK, check out Bobatoo’s car insurance reviews page here.
Can I get a better deal on car insurance elsewhere?
The best way to get a good deal on your car insurance is to shop around by using online price comparison websites, or by using an insurance broker like Bobatoo.
Bobatoo works closely with the UK’s best insurance companies to find you the cheapest car insurance quote that doesn’t compromise on cover!
To get your free quote, obligation-free, tap the green button below.