Compare Hastings Direct Premier Home Insurance

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Guide to the Hastings Direct Premier Home Insurance

Hastings Direct is a prominent player in the insurance sector and is committed to serving communities with excellence. It is known for its exceptional service to small businesses, elderly individuals, and rural communities. 

Hastings Direct's home insurance products, including building, content, and additional add-ons, have earned a five-star rating from Defaqto, showcasing their comprehensive coverage and benefits.

Hastings Direct also provides landlord insurance for property owners and competes with other leading insurers in the market. Popular offerings include any driver van insurance, Hastings temp car insurance and Hastings Bike Insurance and pay-monthly car insurance tailored for social, domestic, and pleasure use.

What Home insurance polices are available with the Hastings Direct Premier?

Like other providers of home insurance, Hastings Direct offers three main categories of cover:

  • Buildings Only Insurance
  • Contents Only Insurance
  • Combined insurance (Buildings and Contents)
Policy TypeBuildings maximum sum insuredContents maximum sum insuredAdditional accidental damage
Hastings EssentialUp to £500,000Up to £150,000Not included
Hastings DirectUp to £1,000,000Up to £150,000Not included
Hastings PremierUp to £1,000,000Up to £150,000Not included

What types of home insurance cover does the Hastings Direct offer?

Hastings Direct offers three types of cover, namely:

1. Hastings Essential

It provides the minimum coverage required by law, and it is suited for individuals who are cost-conscious.

2. Hastings Direct

This includes features like personal accident cover and breakdown assistance which is suitable for individuals looking for a more comprehensive coverage.

3. Hastings Premier

This coverage includes guaranteed repair work and personal belongings coverage.

What is included in a Hastings Direct Home Insurance Policy?

Each policy type can be customised to suit your specific needs. You'll find comprehensive details about individual policies, claims procedures, and policy adjustments in the Policy document that is given to you by the company. Before selecting any coverage, it's important to review the terms and conditions.

Did you know? Leaving your home empty for as little 30 consecutive days can in some cases void your insurance!

Each provider of home insurance will have conditions attached to how long the property can be left empty and still be insured.  For many, it comes as a nasty shock when they realise this.  Check with your home insurance provider, as you may need to take out short term house insurance if your property will be left empty for a prolonged period of time.

Who underwrites Hastings Direct insurance?

Hastings Direct Home Insurance is backed by reputable third-party providers;

They do not write their home insurance policies. Rather, they function as intermediaries, partnering with a panel of several insurance companies to offer you a selection of home insurance options. These insurance companies will weigh factors like your location and the details of the coverage that you choose differently, so they are able to choose the most favourable quotes based on your circumstances.

How Home insurance is calculated and how to save money on the cost of cover

Your Hastings Direct Home Insurance quote can vary based on several factors. Here are some of the factors to consider for saving costs;

  • Location Impact: Avoid purchasing a home in postcodes known for a high crime rate, as these neighbourhoods have higher insurance costs than safer ones.
  • Improve Home Security: You can improve your home security by installing deadlocks on your windows and doors to reduce the risk of theft and vandalism.
  • Claims Frequency: Making regular claims will and can be flagged as an additional risk factor.
  • Payment Method: Opting for annual payments over monthly payments comes with an advantage as you will not have to pay the additional fee for processing monthly payments.
  • Skip Small Claims: Stay away from making small claims as they can over time lead to an increase in your premium or disqualify you from future discounts.
  • Increase Voluntary Excess: By opting for a higher voluntary excess, you take on more responsibility but ensure you're financially prepared.

Compare Landlord Insurance and Home Insurance providers

Are you looking for the best landlord or home insurance deal? You can start by comparing deals from providers like Aro, John Lewis Landlord Insurance, Simply Business, Legal and General Landlord Insurance, and CIA Insurance services.

How do I get in touch with the Hastings Direct Premier Insurance Services?

Hastings Direct Insurance Contact Details

Phone : 0333 321 9800 - Available Monday to Friday from 8 am to 9 pm, Saturday from 9 am to 5:30 pm, and Sunday from 10 am to 5 pm.

Find home insurance cover that’s right for you

While standard home insurance work for most people, there are also specialised home insurance policies that might be more suited to your needs.

*51% of consumers could save £201.06 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next
fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2024. The savings you could achieve are dependent on your individual circumstances.

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