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Hastings Direct home insurance review

Read Which?'s expert review of Hastings Direct's home insurance policies and find out how it compares to dozens of other home insurance companies.

In this article
Hastings Direct home insurance overview Does Hastings Direct offer the best home insurance? Hastings Direct's home insurance policy: is it good or bad?
Does Hastings Direct offer different levels of cover? What is Hastings Direct's claims number? Get top money-saving tips from Which?

Hastings Direct home 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.

It is part of Hastings Insurance Services Limited, which also includes insurance brands InsurePink, People’s Choice and Hastings SmartMiles and its policy is underwritten by AXA, Advantage, Royal Sun Alliance, Lloyd Banking Group and Integra.

Does Hastings Direct offer the best home insurance?

Here's how Hastings Direct scored in our latest home insurance survey:

 

Home And Mobile 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 25% each of Buildings and Contents policy scores.
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.
Buildings policy score
%
Which?'s rating of the quality this company's buildings insurance policy. We analysed 48 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality this company's contents insurance policy. We analysed 67 features of its cover to calculate the policy score.
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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse home insurance

 

We analyse and rate 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

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.

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

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, you can sign up to a one month trial of Which? Money for just £1 to access this review and thousands of others.

In detail: every part of Hastings Direct's home insurance rated

Weighting Policy element Details Rating
Most important Maximum sum insured (£) Logged out detail Logged out padlock
Most important Alternative accommodation (£) Logged out detail Logged out padlock
Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
Most important Repairs guarantee Logged out detail Logged out padlock
Other Unoccupancy period Logged out detail Logged out padlock
Most important Trace and access  (£) Logged out detail Logged out padlock
Most important Burst pipes - included? Logged out detail Logged out padlock
Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
Secondary Subsidence - included? Logged out detail Logged out padlock
Secondary Damage to underground services - included? Logged out detail Logged out padlock
Secondary Flood and storm damage - included? Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
Secondary Storm damage to fences - included? Logged out detail Logged out padlock
Other Theft of keys - included? Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys - included? Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

Table last updated in March 2020. Next update in February 2021.

Does Hastings Direct offer different levels of cover?

Hastings also offers Premier home insurance, which features a higher level of cover, and Essentials home insurance, which offers a lower level of cover.

What is Hastings Direct's claims number?

You can make a home insurance claim with Hastings Direct by submitting a claim form online or by calling one of the following numbers depending on which insurer underwrites your policy:

  • Axa and Advantage: 0345 873 4429
  • Geo: 01708 777 454
  • Integra: 01274 700 810
  • Lloyds Banking Group: 0345 074 4826
  • Royal Sun Alliance: 0330 041 6186
  • Towergate: 01708 777 710

Find out more about claiming successfully in our guide to making a home insurance claim.

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