Hastings Direct offers three main tiers of home insurance, with its standard Direct buildings insurance and Premier buildings and contents cover awarded a 5 star Defaqto rating. Standard cover includes up to £1 million for buildings and £75,000 for contents, while its Premier policy gives you up to £100,000 in home legal expenses cover as well as home emergency cover.
All of Hastings Direct’s home insurance options offer cover for replacement locks, alternative accommodation and freezers as well as new-for-old cover and access to a 24 hour claims helpline.
Renters usually only need contents insurance.
Homeowners usually need both buildings and contents insurance.
Hastings Essential | Hastings Direct | Hastings Premier | |
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Alternative accommodation |
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New-for-old (excluding linens and clothing) |
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Buildings insurance | £500,000 | £1,000,000 | £1,000,000 |
Contents insurance | £75,000 | £75,000 | £150,000 |
24 hour claims helpline |
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Home legal expenses up to £100,000 cover | Optional | Optional |
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Home emergency cover | Optional | Optional |
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🚩 You will not get any money refunded if you have already made a claim on your home insurance
You’ll be able to cancel your Hastings home insurance policy within 14 days of renewing it or receiving your renewal schedule, whichever is later, without needing to give a reason. After this cooling off period, you may need to pay a cancellation fee of £35.
Likewise, the 14 day cooling off period also applies if you’ve just taken the policy out, so you’ll be able to cancel and get a refund. After the 14 days passes, you’ll need to pay the cancellation fee.
If your policy has auto-renewed, you will still have 14 days to cancel it and get a full refund.
To cancel your Hastings home insurance policy, you’ll need to call their customer service team on 0333 321 9801.
Keep in mind that you won’t get a refund if you’ve made a claim on your policy or if one has been made against you.
Additionally, if you’re paying in monthly instalments, you’ll need to pay the balance of the annual premium.
Alongside home insurance, Hastings Direct offers a number of other insurance products:
By phone: You can reach Hastings customer service by phone on 0333 321 9801. They’re open Monday to Friday, 8am to 7pm, Saturdays from 9am to 5pm, and Sundays from 9am to 1pm
If you need to speak with us but can’t call directly, then you can use the Relay UK service to phone us through an app or textphone. You can download the Relay UK app . If you have a textphone, first dial 18001 and then our phone number. Here’s what you need to know about the Relay UK:
Hastings says 90% of its policies are underwritten by its Gibraltar based insurer, Advantage Insurance Company Limited.
Hastings offers subsidence insurance as standard on all home insurance policies so long as you haven’t claimed for it on your property before.
Yes, you can pay for Hastings home insurance in monthly instalments.
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