Hastings Direct Car Insurance Review

  • Defaqto 5–star rating
  • Good basic cover provisions included “as standard”
  • 4.4/5 Feefo customer satisfaction review ratings

Below you will find our independent overview and review of Hastings Direct car insurance.

This car insurance review is designed to help you compare car insurance policies and help decide whether Hastings Direct car insurance may be a suitable product for you.

Please note that our car insurance review summaries are only very broad-based and summarised illustrations. When you are looking at an actual quotation or insurance policy in a real-life fashion, the cover details may vary from what’s stated below once your exact individual circumstances are known and considered by the insurance provider.

Our reviews should not be seen as an alternative to reading the actual policy carefully.

About Hastings Direct  

The origins of Hastings Direct go back to 1997.

At the end of December 2017, they employed around 3,100 people and had 2.6million live insurance policies in active operation. In addition to car insurance, they also offer home, bike and van insurance.

They have won numerous awards for their products, including:

  • 2013–2015 and 2018 Consumer Moneyfacts awards - Car Insurance Provider of the Year;
  • 2014 and 2015 UK Broker awards - Personal Lines Broker of the Year;
  • 2014 British Insurance awards - Personal Lines Broker of the Year.

Their registered offices are in Bexhill-on-Sea, East Sussex.

For your peace of mind and reassurance, in the UK, Hastings Direct car insurance is regulated by the Financial Conduct Authority (FCA).

Hastings Direct car insurance options

Hastings Direct offers several car insurance cover options: Third party, Third party fire and theft, plus Comprehensive cover.

Third Party Cover

Third party cover provides financial protection in the event that a successful claim is made against you for injuries you may have caused others or damage to the property of other people.

This is the minimum road use driving insurance required under law. It does not offer protection for your vehicle at all.

Third Party, Fire & Theft Cover

This provides the basic cover offered by Third party, plus cover for loss or damage to your own vehicle, as defined by certain specified fire and theft conditions.

Fully Comprehensive Cover

Fully Comprehensive car insurance includes TPFT cover plus fuller protection for damage to your own vehicle (definitions and conditions are applicable).

Additional Options

Hastings Direct car insurance further segment their cover options into two other categories.

Hastings Direct

  • if you are hit by an uninsured driver, you won't need to pay any excess or lose your no claims discount;
  • should your car be vandalised, you won’t lose your no claims bonus;
  • the provision of a courtesy car while yours is under repair;
  • the automatic provision of EU driving cover for up to 90 days per trip;
  • personal accident cover up to £5,000;
  • cover for in-car entertainment systems;
  • child car seat cover;
  • windscreen cover.

Hastings Premier adds to the above:

  • four tiers of breakdown cover;
  • motor legal expenses.

Optional extras

Hastings Direct also offers a range of optional extras to choose from (at cost):

  • enhanced personal accident cover;
  • breakdown cover;
  • key cover (for lost or stolen keys);
  • substitute vehicle cover (for up to 21 days should your car be involved in an accident that results in it being declared to be a “write off”);
  • legal expenses cover.

Hastings Direct SmartMiles Car Insurance

Hastings Direct SmartMiles car insurance is so-called ‘black box’ technology typically aimed at younger drivers, but is available to all motorists and subject to conditions. It enables you to earn discounts for safe driving with a number of cover benefits.

Motorbike and Van insurance

Hastings Direct also offers motorbike and van insurance options.

Over 50s Car Insurance

Hastings Direct does not offer a unique over 50s drivers policy.

They do confirm in a statement of principle, however, that they recognise that over 50s drivers are statistically safer and should be rewarded via more attractive quotations. Over 50s drivers are welcomed and encouraged to seek quotations to show the attractive pricing for that age group.

Reasons why you may consider Hastings Direct car insurance

Here are some of the reasons you might wish to give consideration to over 50s car insurance quotations from Hastings Direct when trying to compare car insurance:

  • a company that has won numerous awards for their car insurance and other products;
  • a high level of additional benefits included as standard;
  • Defaqto 5-Star rating for the period 2012-2018 (Defaqto offers an independent expert assessment of the product under offer);
  • Feefo review level of 4.4/5 (this offers an externally verified review of customer feedback on a company’s performance);
  • Moneyfacts “Car Insurance Provider of the Year” 2018;
  • Telematics insurance available rewarding safe driving statistics as generated by the technology installed in the car;
  • good selection of optional extras available, as required by individual driver circumstances and requirements;
  • uninsured driver benefit included.

Please note that the above statements may be subject to change over time and that Hastings Direct may change their product details without notice.

As is perfectly normal with all car insurance providers, Hastings Direct car insurance policies will bring with them terms, conditions and exclusions. They may also be subject to variation depending upon driver/applicant status. You may find that some of the above points might not apply in your unique situation.  

When looking at car insurance reviews, or for car insurance quotations or cover information, it is extremely important that you always provide full disclosure of all pertinent facts relating to your vehicle, driving licence status and any other information, as required by the company.

Seeking to obtain car insurance by making false, incomplete or deliberately misleading declarations may put your cover at risk in the event of a claim and may also possibly be an offence under law.

If you are unsure about the pertinence of a piece of information to your application or the exact nature of your individual situation, you should presume that disclosure is required.

How to get a Hastings Direct car insurance quotation

You might find it very convenient and also easy to use our partnership with Quotezone to get car insurance quotes.

This partnership provides you with the facility to compare car insurance quotations from over 90 UK companies including Hastings Direct, RAC Insurance, Swiftcover and Swinton.

You can find a wide range of car insurance options from across the marketplace, including over 50s car insurance deals.

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