Everything you need to know about Hastings Direct car insurance

What is Hastings Direct car insurance?

Hastings Direct is one of the top 5 car insurance providers in the UK. It is part of Hastings Insurance Service Ltd, alongside other brands such as: InsurePink, SmartMiles and People’s Choice.

How to contact Hastings Direct car insurance

You can call the Hastings direct car insurance contact number:

0333 321 9801 (Monday to Friday: 8am – 7pm, Saturday: 9am – 5pm, Sunday: 9am – 1pm)

How to compare Hastings car insurance quotes

If you're looking for insurance, you can compare a Hastings car insurance quote on Caura by clicking here

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Hasting Directs car insurance reviews

Hastings Direct has received the following reviews:

Trustpilot: 4.3 stars (162,582 reviews)
Which?: 60% policy score on its standard policy (1 out of 34) and % customer score (7^th out of 15).

What type of car insurance can you get with Hastings Direct car insurance?

Hastings Direct has four main car insurance products: Hastings Direct, Hastings Essential Hastings Direct YouDrive (telematics policy) and Hastings Premier.

Hastings Essential is only offered as comprehensive, but the other policies can be purchased as third party only, or third party, fire and theft. The differences between the policies is detailed below:

	Hastings Essential	Hastings Direct	Hastings Premier	Hastings YouDrive	Hastings YouDrive Premier
Level of cover	Comprehensive	Third party, Third party, fire, and theft, and Comprehensive		Comprehensive (Telematics)
Injuries to others	Yes
Damage to other people’s property	Yes
Theft	Yes
Fire damage	Yes
Repairs	Yes	Yes, if comprehensive		Yes
Legal costs	No	Optional	Yes (Up to £100,000)	Optional	Yes (Up to £100,000)
Medical expenses	Up to £100 per injured person	£300 per injured person	£500 per injured person	£500 per injured person	£500 per injured person
Driving other cars	No	Yes, if eligible (third party only)		Yes, if eligible (subject to approval)
Courtesy car provision	Yes	Yes	Yes
Breakdown cover	Optional	Optional	Yes	Optional	Yes
Windscreen	No	Yes, if comprehensive	Yes	Yes	Yes
Personal item cover	No	Up to £300, if comprehensive	Up to £500	Up to £300	Up to £300
Locks and keys cover	Up to £300	Up to £500

Hastings YouDrive (Black box/telematics insurance)

With Hastings YouDrive, you are measured on the quality of your driving.

When you take out your policy you download an app and then receive a wireless tab, which you pair with the app. When you drive, you’ll see how you are doing in the app. Unlike some telematics policies, you don’t receive time of day penalties, so if you drive at night and want to be measured on your driving, this could be a good option.

Being a good driver can result in savings and you’ll get tips on how to improve.

Multi Car Insurance

If you have multiple cars, you can take out Multi Car insurance and add up to five vehicles, receiving a guaranteed discount for each vehicle you add – you’ll still receive a discount if you are adding a new vehicle 11 months into the future.

All cars are organised in one account with the same renewal date and anyone who is at the same address is eligible.

Multi Car insurance is available for Hastings Direct, Hastings Premier and Hastings Essential. Each car can have different cover.

How to make changes to or cancel Hastings Direct car insurance

If you need to make changes, such as adding a new driver, or cancel Hastings car insurance, you can use the Hastings direct car insurance phone number:

0333 321 9801 (Monday to Friday: 8am – 7pm, Saturday: 9am – 5pm, Sunday: 9am – 1pm)

There's no cancellation fee if you cancel within the 14-day cooling-off period, although pro-rated charges for days on-cover will apply. Cancelling after 14 days incurs a £45 cancellation fee in addition to pro-rata cover charges [2].