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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Breakdown Cover

Ranked 13th of 16 providers reviewed.

Customer happiness 45.74%
Customer trust 43.62%
Complaints performance 73.34%
Transparency rating 56.41%
Fairer Finance score
Reviewed Spring 2022
55%

Car insurance

Ranked 24th of 53 providers reviewed.

Customer happiness 61.04%
Customer trust 49.78%
Complaints performance 73.42%
Transparency rating 75.53%
Fairer Finance score
Reviewed Spring 2022
65%

Home insurance (building and contents)

Ranked 33rd of 49 providers reviewed.

Customer happiness 53.15%
Customer trust 49.32%
Complaints performance 73.31%
Transparency rating 73.83%
Fairer Finance score
Reviewed Spring 2022
62%

Car insurance

4 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 £85.00
Repairs guarantee (years) i 5 years
New car replacement
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i

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 £85.00
Repairs guarantee (years) i 5 years
New car replacement
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i

Hastings Direct

Premier

4 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 £85.00
Repairs guarantee (years) i 5 years
New car replacement
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss 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 £85.00
Repairs guarantee (years) i 5 years
New car replacement
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss 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 replacement excess i
Repairs guarantee (years) i 5 years
New car replacement
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss 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 replacement excess i
Repairs guarantee (years) i 5 years
New car replacement
Cover limit for stolen keys i £300.00
24hr helpline available i
Courtesy car provided if stolen / total loss i

Home insurance (building and contents)

Hastings Direct

Direct Home Insurance

3 stars
Matching sets i
Theft from outbuildings cover limit i £3,000.00
Escape of water excess i £500.00
Alternative accommodation cover limit for contents i £10,000.00
Alternative accommodation cover limit for buildings i £100,000.00
Cover for keys if lost i £500.00
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 5000

Hastings Direct

Premier Home Insurance

3 stars
Matching sets i
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £500.00
Alternative accommodation cover limit for contents i £15,000.00
Alternative accommodation cover limit for buildings i £200,000.00
Cover for keys if lost i £500.00
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 5000

Hastings Direct

Essential Home Insurance

2 stars
Matching sets i
Theft from outbuildings cover limit i £2,000.00
Escape of water excess i £500.00
Alternative accommodation cover limit for contents i £10,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i £500.00
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 5000

Buildings insurance

Hastings Direct

Direct Home Insurance

3 stars
Trace and Access i £5,000.00
Cover for keys if lost i £500.00
Matching sets i
Alternative accommodation cover limit i £100,000.00
Cover for keys if stolen i £500.00
Compulsory excess i £100.00
Escape of water excess i £500.00
24hr helpline i
Property owner liability i £2,000,000.00

Hastings Direct

Premier Home Insurance

3 stars
Trace and Access i £5,000.00
Cover for keys if lost i £500.00
Matching sets i
Alternative accommodation cover limit i £200,000.00
Cover for keys if stolen i £500.00
Compulsory excess i £100.00
Escape of water excess i £500.00
24hr helpline i
Property owner liability i £2,000,000.00

Hastings Direct

Essential Home Insurance

2 stars
Trace and Access i £5,000.00
Cover for keys if lost i £500.00
Matching sets i
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i £500.00
Compulsory excess i £250.00
Escape of water excess i £500.00
24hr helpline i
Property owner liability i £1,000,000.00

Contents insurance

Hastings Direct

Premier Home Insurance

4 stars
Theft from outbuildings cover limit i £5,000.00
Matching sets i
Cover for keys if lost i £500.00
Cover limit for cycles in the home i £1,500.00
Replace belongings new for old i
Alternative accommodation cover limit i £15,000.00
Money in the home cover limit i £500.00
Cover for keys if stolen i £500.00
24hr helpline i

Hastings Direct

Direct Home Insurance

3 stars
Theft from outbuildings cover limit i £3,000.00
Matching sets i
Cover for keys if lost i £500.00
Cover limit for cycles in the home i £1,500.00
Replace belongings new for old i
Alternative accommodation cover limit i £10,000.00
Money in the home cover limit i £500.00
Cover for keys if stolen i £500.00
24hr helpline i

Hastings Direct

Essential Home Insurance

2 stars
Theft from outbuildings cover limit i £2,000.00
Matching sets i
Cover for keys if lost i £500.00
Cover limit for cycles in the home i £1,500.00
Replace belongings new for old i
Alternative accommodation cover limit i £10,000.00
Money in the home cover limit i £500.00
Cover for keys if stolen i £500.00
24hr helpline i