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Hastings Direct car insurance review

Read Which?'s expert review of Hastings Direct's car insurance. Find out how we rate Hastings Direct's car insurance policy against 30 other providers. 

In this article
Hastings Direct insurance overview Hastings Direct's car insurance policy: is it good or bad?

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.

What you need to know about Hastings Direct's car insurance:

  • £20 renewal fee
  • £300 personal belongings cover
  • Guaranteed courtesy car as standard

Achieving a mid-table ranking overall, the cover provided by Hastings Direct's standard policy is among the top ten of the 31 policies we analysed - but when it comes to customer feedback, the broker is in the bottom ten.

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Hastings Direct's car insurance policy: is it good or bad?

We analyse and rate the 53 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 January 2018. next updated in July 2018.

Most important policy elements
Policy element Details Rating
Interest charged on payment by instalments (APR) Subscriber only content Subscriber only content
No fault no claims discount (NCD) benefit? Subscriber only content Subscriber only content
Uninsured driver NCD benefit? Subscriber only content Subscriber only content
Renewal fee Subscriber only content Subscriber only content
NCD protection claims (number per year) Subscriber only content Subscriber only content
Theft of keys limit Subscriber only content Subscriber only content
Fire excess (standard compulsory) Subscriber only content Subscriber only content
Theft excess (standard compulsory) Subscriber only content Subscriber only content
Accidental damage excess (standard compulsory) Subscriber only content Subscriber only content