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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Gold ribbon: first place

Breakdown Cover

Ranked 15th of 31 providers reviewed.

Customer happiness score 52.61%
Customer trust score 53.36%
Complaints performance 63.39%
Transparency rating 73.95%
Fairer Finance score
Reviewed Autumn 2023
61%

Car insurance

Ranked 32nd of 49 providers reviewed.

Customer happiness score 60.3%
Customer trust score 50.59%
Complaints performance 66.87%
Transparency rating 77.71%
Fairer Finance score
Reviewed Autumn 2023
64%

Home emergency cover

Ranked 30th of 35 providers reviewed.

Customer happiness score 43.41%
Customer trust score 51.2%
Complaints performance 59.85%
Transparency rating 69.26%
Fairer Finance score
Reviewed Autumn 2023
56%

Home insurance (building and contents)

Ranked 37th of 46 providers reviewed.

Customer happiness score 55.32%
Customer trust score 50.14%
Complaints performance 63.67%
Transparency rating 73.18%
Fairer Finance score
Reviewed Autumn 2023
60%

Car insurance

Hastings Direct

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

4 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £115.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Hastings Direct

Premier (with enhanced substitute vehicle cover, keycare)

4 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £115.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i
3 stars
Cover limit for lost keys i £500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £115.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Hastings Direct

Premier

3 stars
Cover limit for lost keys i £500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £115.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Hastings Direct

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

2 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i £0.00
Windscreen repair excess i Windscreen repair not covered
Windscreen replacement excess i Windscreen replace not covered
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Hastings Direct

Essential

1 stars
Cover limit for lost keys i £300.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i £0.00
Windscreen repair excess i Windscreen repair not covered
Windscreen replacement excess i Windscreen replace not covered
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £300.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Telematics Car Insurance

Hastings Direct

YouDrive

4 stars
Cover limit for lost keys i £500.00
Cover limit for Legal Liability Cover for property damage £20,000,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Self-installed or engineer-installed box? i Self install
Is device removal mandatory at the end of the contract? i
Is there an excessive speeding restriction?
Can your insurance be cancelled due to a poor driving score?
Can premiums increase due to driving score?
Curfew i
Digital capability i
Cancellation fee (within 14 days) box installed i £20.00
Speed restrictions scenario i Pass
Cover for replacing original audio/visual equipment i Unlimited
Cancellation fee (within 14 days, box not installed) i £20.00
24hr helpline available i
New car replacement i
Cover limit for stolen keys i £500.00
Legal cover for manslaughter defence i Unlimited
Are children's car seats covered?
Cover limit for personal belongings inside car £300.00
Underwriter Panel
Storage after accident i
Vermin & insects i
Misfuelling i

Commercial Vehicle Insurance

Hastings Direct

Van Insurance

3 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £500.00
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £115.00
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Cover limit for stolen keys i £500.00
Repairs guarantee (years) i 5 years
Vandalism i

Hastings Direct

Premier Van Insurance

3 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £500.00
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £115.00
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Cover limit for stolen keys i £500.00
Repairs guarantee (years) i 5 years
Vandalism i

Hastings Direct

Essentials Van Insurance

1 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £0.00
Cover for replacing original audio/visual equipment i £0.00
Windscreen repair excess i Windscreen damage not covered
Windscreen replacement excess i Windscreen damage not covered
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Cover limit for stolen keys i £300.00
Repairs guarantee (years) i 5 years
Vandalism i

Home emergency cover

Hastings Direct

Home Emergency Cover (Home & Essential) XA

3 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £250.00
Unoccupied period i 30
Claims limit i Unlimited

Hastings Direct

Home Emergency Cover (Premier) XA

3 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £250.00
Unoccupied period i 30
Claims limit i Unlimited

Home insurance (building and contents)

Hastings Direct

Direct Home Insurance

3 stars
Theft from outbuildings i £3,000.00
Coverage limit for cycles within the home i £1,500.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £100,000.00
Protection against inflation (Buildings)
Buildings cover limit i £1,000,000.00
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £500.00
Contents cover limit i £75,000.00
Money in the home i £500.00
Visitor's possessions i £1,000.00
Office equipment i £6,000.00
Alternative accommodation cover limit for contents i £10,000.00
Escape of water excess (minimum) i £500.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £35.00
Contents compulsory excess i £100.00
Flood excess i £150.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £15,000.00
Replace belongings new for old i

Hastings Direct

Premier Home Insurance

3 stars
Theft from outbuildings i £5,000.00
Coverage limit for cycles within the home i £1,500.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £200,000.00
Protection against inflation (Buildings)
Buildings cover limit i £1,000,000.00
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £500.00
Contents cover limit i £100,000.00
Money in the home i £500.00
Visitor's possessions i £1,000.00
Office equipment i £6,000.00
Alternative accommodation cover limit for contents i £15,000.00
Escape of water excess (minimum) i £500.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £35.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £15,000.00
Replace belongings new for old i

Hastings Direct

Essential Home Insurance

1 stars
Theft from outbuildings i £2,000.00
Coverage limit for cycles within the home i £1,500.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £50,000.00
Protection against inflation (Buildings)
Buildings cover limit i £500,000.00
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £500.00
Contents cover limit i £50,000.00
Money in the home i £500.00
Visitor's possessions i £1,000.00
Office equipment i £5,000.00
Alternative accommodation cover limit for contents i £10,000.00
Escape of water excess (minimum) i £500.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £35.00
Contents compulsory excess i £250.00
Flood excess i £250.00
Property owner liability i £1,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £10,000.00
Replace belongings new for old i

Buildings insurance

Hastings Direct

Direct Home Insurance

3 stars
Matching sets (Buildings) i
Escape of water excess (minimum) i £500.00
Buildings compulsory excess i £100.00
Escape of water excess i
Unoccupied period i 30.00 days
Helpline i
Cancellation fee after 14 days (buildings) i £35.00
Amendment fee (telephone) i £20.00
Property owner liability i £2,000,000.00

Hastings Direct

Premier Home Insurance

3 stars
Matching sets (Buildings) i
Escape of water excess (minimum) i £500.00
Buildings compulsory excess i £100.00
Escape of water excess i
Unoccupied period i 30.00 days
Helpline i
Cancellation fee after 14 days (buildings) i £35.00
Amendment fee (telephone) i £20.00
Property owner liability i £2,000,000.00

Hastings Direct

Essential Home Insurance

1 stars
Matching sets (Buildings) i
Escape of water excess (minimum) i £500.00
Buildings compulsory excess i £250.00
Escape of water excess i
Unoccupied period i 30.00 days
Helpline i
Cancellation fee after 14 days (buildings) i £35.00
Amendment fee (telephone) i £20.00
Property owner liability i £1,000,000.00

Contents insurance

Hastings Direct

Direct Home Insurance

3 stars
Matching sets (contents) i
Theft from outbuildings i £3,000.00
Windspeed (mph) i 55 mph
Property owner liability i £2,000,000.00

Hastings Direct

Premier Home Insurance

3 stars
Matching sets (contents) i
Theft from outbuildings i £5,000.00
Windspeed (mph) i 55 mph
Property owner liability i £2,000,000.00

Hastings Direct

Essential Home Insurance

1 stars
Matching sets (contents) i
Theft from outbuildings i £2,000.00
Windspeed (mph) i 55 mph
Property owner liability i £1,000,000.00

Motorbike Insurance

Hastings Direct

Hastings Premier Bike Policy (with optional breakdown cover and personal injury cover)

4 stars
Accessories cover i Unlimited
Storage costs pre-repair i
Uninsured driver promise i
Vandalism cover i
Vermin cover i
Accident recovery i
Is motor legal protection included i
Personal accident cover limit i £20,000.00
Repair Guarantee i 5 years

Hastings Direct

Hastings Direct Bike Policy (with optional breakdown cover, motor legal protection, personal injury cover and helmet and leathers cover)

4 stars
Accessories cover i Unlimited
Storage costs pre-repair i
Uninsured driver promise i
Vandalism cover i
Vermin cover i
Accident recovery i
Is motor legal protection included i
Personal accident cover limit i £20,000.00
Repair Guarantee i 5 years

Hastings Direct

Hastings Premier Bike Policy

3 stars
Accessories cover i Unlimited
Storage costs pre-repair i
Uninsured driver promise i
Vandalism cover i
Vermin cover i
Accident recovery i
Is motor legal protection included i
Personal accident cover limit i £0.00
Repair Guarantee i 5 years

Hastings Direct

Hastings Direct Bike Policy

2 stars
Accessories cover i Unlimited
Storage costs pre-repair i
Uninsured driver promise i
Vandalism cover i
Vermin cover i
Accident recovery i
Is motor legal protection included i
Personal accident cover limit i £0.00
Repair Guarantee i 5 years

Personal loans

Hastings Direct

Personal Loan

Representative APR (on £5,000 loan, 36 month term) 14.9%
Unpaid Repayment Fee i £12.00
Early settlement fee (Days interest) 0 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £25,000.00
Minimum borrowing length 12 months
Maximum borrowing length 60 months