Hastings Direct insurance overview
Hastings Direct launched in 1997, originally as a broker for car insurance. Its product range has since expanded to include home, bike and van insurance.
Hastings Direct's car insurance policy is underwritten by a panel of insurers.
What you need to know about Hastings Direct's car insurance:
- Repairs guaranteed for 5 years
- £300 personal belongings cover
- Guaranteed courtesy car as standard
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Hastings Direct's car insurance policy: is it good or bad?
We analyse and rate the 58 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly, when calculating our total policy score.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.
Table last updated in July 2018. next updated in January 2019.
| Policy element | Details | Rating |
|---|---|---|
| Interest charged on payment by instalments (APR) |  | |
| No fault no claims discount (NCD) benefit? | | |
| Uninsured driver NCD benefit? | | |
| Renewal fee | | |
| NCD protection claims (number per year) | | |
| Theft of keys limit | | |
| Fire excess (standard compulsory) | | |
| Theft excess (standard compulsory) | | |
| Accidental damage excess (standard compulsory) | | |
