Hastings Direct Premier Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Hastings Direct Premier car insurance.

You might already know that Hastings Direct Premier offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Hastings Direct Premier the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Hastings Direct Premier car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for Hastings Direct Premier

Our ratingOur opinion
Customer service & satisfaction

Detailed FAQs page provides answer to user
4/5 based on 41,679 opinions on TrustPilot
Customer support lines are not toll free

Cover provided

Guaranteed courtesy car as standard
Vans are covered by the insurance policy
Business cars are covered by Hastings Premier
Breakdown cover, motor legal protection are only available as optional extras

Value for money

£300 personal belongings cover
Repairs guarantee for 5 years
60% No Claim Discount is given for 5 or more claim free years
Personal accident cover of up to £5,000

Financial strength for pay out

Strong financial capability

Technology

Customer friendly website with a simple and easy-to-use interface
Mobile app available
Available on social media platforms
No-live chat or chatbot is available

Safe rating for Hastings Direct Premier

Expert and customer reviews on Hastings Direct Premier

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Hastings Direct Premier's reputation.

Review organisationConsumer satisfaction rates for Hastings Direct Premier
Defaqto expert rating for Hastings Direct Premier defaqto 5 stars
TrustPilot4/5 based on 41,679 opinions,
Consumer satisfaction rates on reviews for Hastings Direct Premier

To check if Hastings Direct Premier is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

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Our review on Hastings Direct Premier car insurance policy

Hastings Premier offers a full range of features and benefits unlike Hastings Direct. Cover options like foreign use, a courtesy car, breakdown cover and legal protection all come as a standard with the comprehensive policy offered by Hastings Premier. The cover options although more expensive than that of the standard policy, offer a wholesome and more detailed insurance policy. For customers who want complete cover on their vehicles, this insurance option is recommended.
You can check the other coverage level at Hastings:
-Hastings Essential, the most basic level of coverage Click here

  • Hastings Direct, the second level of coverageClick here

What does Hastings Direct Premier car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Hastings Direct Premier?

Car insurance policyAvailable at Hastings Direct PremierCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Hastings Direct Premier

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Hastings Direct Premier explained in details

Let's find out what does Hastings Direct Premier covers in its car insurance policy.

Breakdown cover at Hastings Direct Premier

Hastings Premier partnered with RAC to provide breakdown cover and four levels of cover are provided. The breakdown cover is optional and can be added to an insurance policy. The following are offered with the breakdown cover:

  • Roadside assistance: this includes labour and repair services at the scene of the breakdown
  • Home service: this includes cover in the case that the driver’s car breaks down close to his/her place of residence
  • UK Recovery: this includes roadside repair and recovery for the driver and up to 8 passengers in the case of a breakdown or in the case that the driver is unable to drive
  • European cover: this includes cover for foreign use in the case of a breakdown.

Keycare cover at Hastings Direct Premier

The following are provided under Hastings Premier insurance Keycare cover:

  • £500 worth of cover to replace lost or stolen keys
  • Access to 24-hour emergency assistance .

Windscreen cover at Hastings Direct Premier

The windscreen cover provided by Hastings Premier covers any amount incurred in the repair or replacement of a windscreen or window. Also, the cost of repair to any damage done by the broken glass is covered.

Motor legal protection at Hastings Direct Premier

Our legal expenses policy, provided by Allianz Legal Protection, a trading name of Allianz Insurance plc, provides up to £100,000 of legal cover when claiming for an accident that’s not your fault.

Our legal expenses cover offers assistance for:

  • Compensation for not being able to use your car.
  • Any excess you may have paid under your car insurance policy.
  • Compensation if you or any of your passengers are injured or killed.
  • Compensation for damage to your clothes, luggage or personal items.
  • Reasonable costs for a hire car whilst yours is being repaired.
  • Repair costs if you don’t have comprehensive motor insurance cover.
  • Legal costs to defend prosecution arising from a motoring offence.

Personal policy injury available at Hastings Direct Premier

Personal accident cover offers financial compensation of up to £5000 for a range of injuries to help the driver or passengers recover. The cover is only offered if within 90 days, the injuries sustained result in:

  • death
  • permanent loss of sight in one or both eyes
  • permanent loss of limb.

Coverage abroad at Hastings Direct Premier

Abroad coverage is available under the comprehensive insurance policy and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:
Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, Monaco, Gibraltar, San Marino, Switzerland and Andorra

Courtesy car at Hastings Direct Premier

Hastings Premier provides a courtesy car while that of the driver’s is being repaired by an approved repairers. However,this doesn’t situations where the car was stolen or damaged beyond repair. The car hire option provides you with a hire car of an equivalent engine size to that of the driver’s car (up to a maximum engine size of 2000cc) in the even that:

  • the car was stolen and not recovered
  • it has been damaged beyond repair due to an act of vandalism or an accident that was not the fault of the driver’s.

No-Claim Bonus (NCB) at Hastings Direct Premier

With Hastings Premier, if you have four or more years’ NCD, protection can be gotten against two claims in a three-year period.

The No Claims Discount would not be affected if the car has been vandalised and proof has been provided and the excess has been paid.

At Hastings Direct Premier, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year) : 2 claims in 3 years
.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Hastings Direct Premier car insurance terms and conditions

How much does Hastings Direct Premier car insurance cost?

You'll find below indicative car insurance quotes at Hastings Direct Premier:

Drivers'ageMonthly premium
18 years old£109,04
40 years old £44,97
60 years old£33,16
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Hastings Direct Premier insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Hastings Direct Premier?

Multi car insurance, Cashback vouchers and discounts for drivers who use the Black box are offered.

Discount typesComment
Discounts- A 10% multi-car discount is available (for each car) for households with more than 1 car, even if the drivers are not related.
- Student drivers under this plan can get up to 10% discount with black box policy.
Discounts and cashbacks available at Hastings Direct Premier

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Hastings Direct Premier car insurance policy summarized

Guarantees

At Hastings Direct Premier
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£500
Personal belongings£300
Audio equipment

No

Medical expenses

£500

Liability limit for property damage£20 000 000
Legal expense£100,000
Courtesy car benefit

As standard but based on availability

Courtesy car cover

Duration of repair

Coverage abroad

90 days

Guarantees at Hastings Direct Premier

Excess

At Hastings Direct Premier
Fire excess£95
Theft excess£95
Accidental damage excess£95
Windscreen replacement excess£85
Young driver excess

no

Excess at Hastings Direct Premier

Admin fees

At Hastings Direct Premier
Interest charged by payment installments

14,90%

Renewal fees

£0

Cancellation fees

Cancellation fees during cooling off period : £ 0
Cancellation fees outside cooling off period : £ 45

Modification fees

Adjustment fee: £25

Admin fees at Hastings Direct Premier

Other car insurance policies available at Hastings Direct Premier

Hastings Direct Premier multi-car insurance

For Hastings Premier, the Multicar cover option is available for two or more cars that have been registered with the same address whether or not they are related. The following are also offered:

  • Windscreen cover
  • £5,000 personal accident cover
  • 65% No Claims Discount
  • Provision of a courtesy car if your car is being repaired by an approved repairer
  • 90 days foreign use cover
  • Unlimited cover for factory fitted audio equipment
  • Uninsured driver
  • Vandalism cover.

Hastings Direct Premier black-box insurance

Hasting Premier Smartmiles offer telematics car insurance service as a way to help safety-conscious young and new drivers to save money on car insurance. Under this plan, a small, black box is installed onto the car by engineers and it measures data such as car speed, acceleration and breaking, frequency of trips and so on. This plan affords student drivers the chance to get up to a 10% discount on their premium and earn more discounts on renewal based on their general driving behavior as measured by the telemetry system.

Hastings Direct Premier business car insurance

There are up to three different cover options for the business cover and they include:

  • Class 1: this provides cover for you, the main driver, when travelling to your place of work as well as to different sites for your job. Most policies include cover for a spouse to use your car, but it won’t include cover for any other named driver to use it for business purposes
  • Class 2: you’re covered as the main driver along with any other named driver on your policy for business purposes
  • Class 3: if you do a lot of travels for your job, then you’ll most likely need this level of car insurance. It provides cover for light goods transportation. The comprehensive car policy is recommended for the business insurance cover.

Hastings Direct Premier van insurance

Hastings Premier provides van insurance and the following are offered:

  • 24/7 emergency claims helpline
  • Provision of courtesy car during repairs
  • £750 for in-van entertainment systems
  • unlimited windscreen cover
  • 65% protected no claims discount
  • £250 worth of personal items cover
  • Breakdown cover
  • Motor Legal expenses cover.

How to contact Hastings Direct Premier auto insurance?

Hastings Direct Premier phone numbers 

You will find all important phone numbers to contact Hastings Direct Premier car insurance:

Contact numberOpening hours

Customer service

0333 321 9801

Monday – Friday 8am – 8pm
Saturday 9am – 5pm
Sunday 9.30 am – 4pm

Claims

0333 321 9800

24 hours a day, 7 days a week

Breakdown cover

0333 321 9644

24 hours a day, 7 days a week

Policy change

0333 321 9801

Monday-Friday 8am-9pm
Saturday 9am-5:30pm
Sunday 10am-5pm

Cancellation

0333 321 9801

Monday-Friday 8am-9pm
Saturday 9am-5:30pm
Sunday 10am-5pm

Contact numbers at Hastings Direct Premier

Hastings Direct Premier other contact details

You'll find below Hastings Direct Premier main contact details:

Contact details of Hastings Direct Premier
Email address

[email protected]

Customer account with Hastings Direct Premier login

Hastings Direct My Account

Social mediaFacebook, Twitter, YouTube
ChatbotNo
Contact details at Hastings Direct Premier

You can also contact them by mail by writing to Hastings Direct Premier car insurance:

Hastings Direct
4 Collington Ave,
Bexhill-on-Sea
TN39 3LW, United Kingdom

How to cancel your car insurance at Hastings Direct Premier?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Hastings Direct Premier as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Hastings Direct Premier has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Hastings Direct Premier could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.