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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 with dozens of other home insurance companies.

In this article
What does Hastings Direct home insurance cover? 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?
Where can you buy Hastings Direct home insurance? What is Hastings Direct's claims number? Get top money-saving tips from Which?

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 Advantage Insurance, AXA, Lloyds Bank, RSA, Integra and Prestige.

Hastings Direct offers the following levels of home insurance cover:

Policy Policy level Buildings - Maximum sum insured Contents - Maximum sum insured
Hastings Home insurance Standard £1,000,000 £150,000
Hastings Premier Premium £1,000,000 £150,000
Hastings Essential Essentials £500,000 £150,000

 

Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

 

What does Hastings Direct home insurance cover?

The information below gives an at-a-glance view of the key areas that Hastings Direct home insurance covers as standard.

Elements marked with a are covered as standard, those marked with a are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

 

 Burst pipes

 

Covers the cost of repairing burst pipes in the property

 

 Key cover

 

Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen

 

£ Accidental damage

 

Covers accidental damage to personal belongings, fixtures and fittings

 

£ Home emergency

 

Covers callouts and temporary repairs resulting from a home emergency

 

£ Personal possessions

 

Covers personal belongings against loss, accidental damage or theft when taken outside the home

 

£ Boiler cover

 

Covers the failure of a boiler or central heating system

 

£ Legal protection

 

Cover for legal costs resulting from claims such as property and employment disputes

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 who have recently made a claim. 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 of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 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 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 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, join Which? and get full access to these results and all our reviews.

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

Weighting Policy element Details Rating
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 2021. Next update in March 2022.

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.

To see how Hastings Direct's home insurance compares with other policies check out our guide on the best and worst home insurance.

Where can you buy Hastings Direct home insurance?

Hastings Direct home insurance can be bought online and over the phone.

Hastings Direct's home insurance policy is available on the following price comparison websites:

  • Compare the Market
  • Confused.com
  • GoCompare
  • MoneySuperMarket
  • Quotezone

Find out more: how to get cheap home insurance

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
  • Prestige Underwriting Services Ltd: 0800 9177 292
  • Royal Sun Alliance: 0330 041 6186

Find out more: is it worth claiming on your home insurance?

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