Independent financial researcher Defaqto has rated both Hastings Direct Home Insurance and Hastings Direct Premier Home Insurance as 5 Star, and Hastings' online reviews by its customers are largely positive (more details below).
Overview of insurance cover provided by Hastings Direct Home Insurance
Founded in 1997, Hastings Direct is an online and phone only company.
Hastings offer 3 types of home insurance – buildings only insurance, contents only insurance and combined buildings and content cover. A more comprehensive level of cover called Hasting Premier is also available.
Buildings only cover includes the roof, walls and windows of the property, as well as internal permanent structures such as baths and fitted kitchens. Outbuildings are also covered.
Contents insurance covers your possessions for damage caused by theft and vandalism; fire, smoke or explosion; weather perils and natural disasters; falling trees and moving objects; and oil or water leaks within the home. Accidental damage to TV and computers and cover for glass is included as standard, as are replacement locks if your keys are stolen, and new-for-old cover (except for clothing and household linen).
Items worth over £1,500 must be declared separately, but can be insured. Optional extra cover, such as insuring items away from the home, home emergency cover and family legal protection can be added for an additional cost.
Taking out a combined buildings and contents cover can save you up to 20% on your premiums.
Hasting’s call centre is open 7 days a week and they also operate a 24-hour claims helpline.
How much does home insurance with Hastings Direct cost?
Home Insurance premiums are affected by many different factors, such as the type and level of cover you choose, your postcode, the value of your contents and whether you opt to take out optional extra cover.
Hastings offer up to 30% no claims discount and flexible payment options.
What do Hastings Direct Home Insurance reviews from customer say?
Reviews.co.uk doesn’t review Hasting’s home insurance service specifically, but rather Hastings Direct as a company. The overall rating for Hastings Direct here is 3.06 out of 5, with 37% out of over 1400 reviewers giving the company 5 stars, and a further 13% giving it 4 stars. On Trustpilot, the rating is again for Hastings Direct as a company, with a rating of 6.2 out of 10 (a score of ‘average’) – 61% out of over 17,000 reviewers gave the company 5 stars, and a further 19% gave it 4 stars.
What do Hastings Direct Home Insurance reviews by the experts say?
Independent financial researcher Defaqto has rated both Hastings Direct Home Insurance and Hastings Direct Premier Home Insurance as 5 Star. A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers. A 5 Star rated product "is an excellent product with a comprehensive range of features and benefits".