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 30th of 56 providers reviewed.

Customer happiness 59.51%
Customer trust 47.98%
Complaints performance 76.66%
Transparency rating 68.22%
Fairer Finance score
Reviewed Spring 2021
63%

Home insurance (building and contents)

Ranked 25th of 52 providers reviewed.

Customer happiness 53.14%
Customer trust 47.91%
Complaints performance 76.16%
Transparency rating 71.02%
Fairer Finance score
Reviewed Spring 2021
62%

Car insurance

Hastings Direct

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

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

Hastings Direct

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

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

Hastings Direct

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

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

Hastings Direct

Hastings Direct

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

Hastings Direct

Hastings Premier

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

Hastings Direct

Hastings Direct (NHS workers)

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

Hastings Direct

Hastings Essential

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

Home insurance (building and contents)

Hastings Direct

Direct Home Insurance

4 stars
Matching sets i
Theft from outbuildings cover limit i £3,000
Escape of water excess i £250
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
24hr helpline i

Hastings Direct

Premier Home Insurance

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £250
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
24hr helpline i

Hastings Direct

Essential Home Insurance

3 stars
Matching sets i
Theft from outbuildings cover limit i £2,000
Escape of water excess i £250
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
24hr helpline 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
24hr helpline i
Property owner liability i £2,000,000

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
24hr helpline i
Property owner liability i £2,000,000

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
24hr helpline i
Property owner liability i £1,000,000

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 £1,500
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 £1,500
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 £1,500
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