Hastings Direct

Hastings Direct is a trading name of Hastings Insurance Services. Other brands in the same stable include Smartmiles and Insure Pink.

Hastings Direct is a broker, meaning it passes customers on to a number of different insurers. One of these is Advantage Insurance Company, which is ultimately owned by the Hastings Insurance Group. 

It offers insurance cover for your home and car, as well as more specialist bike and van insurance. 

Based in East Sussex its first policy was sold in 1997.


Hastings Direct
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Car insurance

Ranked 20th of 52 providers reviewed.

Customer happiness 58.04%
Customer trust 46.9%
Complaints performance 74.32%
Transparency rating 66.56%
Fairer Finance score
Reviewed Autumn 2020
62%

Home insurance (building and contents)

Ranked 34th of 51 providers reviewed.

Customer happiness 49.14%
Customer trust 43.85%
Complaints performance 73.32%
Transparency rating 66.97%
Fairer Finance score
Reviewed Autumn 2020
58%

Car insurance

Hastings Direct

Hastings Direct (with enhanced substitute vehicle cover, lost or stolen key cover, breakdown cover)

4 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £1,500
24hr helpline available i
New car replacement
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £25
Windscreen replacement excess i £85
Cover limit for stolen keys i £1,500
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 5 years

Hastings Direct

Hastings Premier (with enhanced substitute vehicle cover, lost or stolen key cover, breakdown cover)

4 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £1,500
24hr helpline available i
New car replacement
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £25
Windscreen replacement excess i £85
Cover limit for stolen keys i £1,500
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 5 years

Hastings Direct

Essential Car Insurance (with enhanced substitute vehicle cover, lost or stolen key cover, breakdown cover)

3 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £1,500
New car replacement
24hr helpline available i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i
Windscreen replacement excess i
Cover limit for stolen keys i £1,500
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 5 years

Hastings Direct

Hastings Direct

3 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £500
New car replacement
24hr helpline available i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £25
Windscreen replacement excess i £85
Cover limit for stolen keys i £500
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 5 years

Hastings Direct

Hastings Premier

3 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £500
New car replacement
24hr helpline available i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £25
Windscreen replacement excess i £85
Cover limit for stolen keys i £500
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 5 years

Hastings Direct

Hastings Direct (NHS workers)

2 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £0
New car replacement
24hr helpline available i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £25
Windscreen replacement excess i £85
Cover limit for stolen keys i £500
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 5 - priority repairs

Hastings Direct

Hastings Essential

1 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £0
24hr helpline available i
New car replacement
Courtesy car provided if stolen / total loss i
Windscreen repair excess i
Windscreen replacement excess i
Cover limit for stolen keys i £300
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 5 years

Home insurance (building and contents)

Hastings Direct

Direct Home Insurance

3 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings cover limit i £3,000
24hr helpline i
Alternative accommodation cover limit i £100,000
Cover for keys if lost i £500
Money in the home i £500
Replace belongings new for old i

Hastings Direct

Premier Home Insurance

3 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings cover limit i £5,000
24hr helpline i
Alternative accommodation cover limit i £200,000
Cover for keys if lost i £500
Money in the home i £500
Replace belongings new for old i

Hastings Direct

Essential Home Insurance

3 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings cover limit i £2,000
24hr helpline i
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £500
Money in the home i £500
Replace belongings new for old i

Buildings insurance

Hastings Direct

Direct Home Insurance

3 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £500
Matching sets i
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £500
Compulsory excess i £100
Escape of water excess i £250
Property owner liability i £2,000,000
24hr helpline i

Hastings Direct

Premier Home Insurance

3 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £500
Matching sets i
Alternative accommodation cover limit i £200,000
Cover for keys if stolen i £500
Compulsory excess i £100
Escape of water excess i £250
Property owner liability i £2,000,000
24hr helpline i

Hastings Direct

Essential Home Insurance

3 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £500
Matching sets i
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i £500
Compulsory excess i £100
Escape of water excess i £250
Property owner liability i £1,000,000
24hr helpline i

Contents insurance

Hastings Direct

Direct Home Insurance

3 stars
Theft from outbuildings cover limit i £3,000
Matching sets i
Cover for keys if lost i £500
Cover limit for cycles in the home i £350
Replace belongings new for old i
Alternative accommodation cover limit i £10,000
Money in the home cover limit i £500
Cover for keys if stolen i £500
24hr helpline i

Hastings Direct

Premier Home Insurance

3 stars
Theft from outbuildings cover limit i £5,000
Matching sets i
Cover for keys if lost i £500
Cover limit for cycles in the home i £350
Replace belongings new for old i
Alternative accommodation cover limit i £15,000
Money in the home cover limit i £500
Cover for keys if stolen i £500
24hr helpline i

Hastings Direct

Essential Home Insurance

3 stars
Theft from outbuildings cover limit i £2,000
Matching sets i
Cover for keys if lost i £500
Cover limit for cycles in the home i £350
Replace belongings new for old i
Alternative accommodation cover limit i £10,000
Money in the home cover limit i £500
Cover for keys if stolen i £500
24hr helpline i