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    Direct car insurance

    Dangerous driver distractions
    The RAC Report on Motoring 2016 has revealed the number of drivers illegally using their mobiles at the wheel is on the rise. A total 31% of the 1,714 motorists polled admitted to using their phones, which is a sharp increase from the 8% recorded in 2014.
    With 19% of drivers surfing social media sites while behind the wheel and 14% taking videos and photos, the motoring organisation has hailed the use of handheld mobiles the «biggest road safety concern among motorists today».
    And what about car insurance? Hastings Direct offer Defaqto 5 Star rated policies, whether you’re looking for third party insurance or comprehensive cover. As well as offering a whole host of benefits as standard, our policies can be tailored to suit your individual needs. Choose from a range of optional extras, from key protection and motor legal expenses to enhanced personal accident cover.
    How do I make a car insurance claim?
    If you need to report a claim, call our helpline on 0333 321 9800 as soon as possible. One of our friendly team members will talk you through the straightforward claims process, advising you on the next steps.
    What’s a no claims discount?
    A no claims discount is rewarded to drivers for each year you don’t make a claim. Show you’re a safe and responsible driver and you could earn a discount on your premium.
    Can I add a driver to my policy?
    You’re able to add a driver to your policy at any time, as long as they meet the insurer’s individual terms. There’s a £25 fee, and your premium may be affected.
    At Hastings Direct we pride ourselves on offering quality cover for competitive prices. But don’t just take our word for it, here’s what our customers say about us.
    Switching your car insurance
    Did you know Hastings Direct is one of Britain’s most switched to car insurance providers¹? Switch to a Hastings Direct policy today and you could shave pounds off your car insurance.
    Unlike other insurers you can claim and your No Claim Discount is safe if the damage is caused by; potholes or poor road maintenance, theft from or of your car, being hit while parked, flood damage, if you hit or are hit by an animal, or hit by an object or debris (excluding vehicles).
    With comprehensive cover as standard. Excess applies.
    Vandalism promise
    If you make a claim for damage to your car caused by vandalism, you won’t lose your No Claim Discount.
    The incident must be reported to the police and assigned a crime reference number. The excess must also be paid when making the claim.
    Used car replacement
    A choice between a replacement car like yours, a cash settlement or you can pay the difference for an upgrade, if your car is written off due to an accident, vandalism, fire or flood.
    A minimum car purchase of £3,500 applies. An exact match may not be possible and is subject to availability. Excludes theft claims.
    Medical expenses
    Medical expenses for each person injured after an accident, providing there’s no cover in force under another car insurance policy.
    Limited to £100 per person
    Uninsured driver promise
    If an uninsured driver damages your car in an accident, we will repay your excess and restore your no claim discount once we confirm that the accident was the fault of the uninsured driver. The circumstances of the claim type could affect the policy premium paid.
    Registration number, make and model of the other car is needed to make a claim.
    Personal belongings cover
    Up to £250 for any loss or damage of clothing and personal belongings in the event of a fire, theft or accident.
    In-car equipment
    Unlimited cover for fitted in-car audio, TV, telephone or navigation equipment, or up to £1,000 for non-standard equipment.
    Windscreen damage
    The cost of replacing or repairing a broken windscreen, sunroof or window.
    By one of our approved repairers. Subject to an excess of £10 (if repairing) or £75 (if replacing).