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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.

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

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

 

Car Insurance
Hastings Direct review
Overall Which? score
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score.
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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)
Logged out score Logged out score
No fault no claims discount
(NCD) benefit?
Logged out score Logged out score
Uninsured driver NCD benefit? Logged out score Logged out score
Renewal fee Logged out score Logged out score
NCD protection claims
(number per year)
Logged out score Logged out score
Theft of keys limit Logged out score Logged out score
Fire excess
(standard compulsory)
Logged out score Logged out score
Theft excess
(standard compulsory)
Logged out score Logged out score
Accidental damage excess
(standard compulsory)
Logged out score Logged out score