Is Hastings Direct home insurance right for you?
An emergency situation at home cannot be anticipated and so people are rarely financially prepared for when their property is subject to an accident, adverse weather damage, fire or theft. Building repairs are expensive and with most properties holding approximately £25,000 of contents, home insurance is a good way to be ready for the worst.
Home Insurance is generally separated in to buildings and content cover. With Hastings you purchase these policies together as one joint cover plan or you can purchase them separately.
Hastings Direct Home Insurance Review
Hastings Direct offer a fully customisable home insurance policy. You are able to purchase buildings and contents insurance separately and add-on a range of extra options.
With a Hastings Direct home insurance policy, you receive the following as standard:
- Defaqto 5 Star rated cover
- 24/7 UK claims helpline
- Flexible payment plans
- 30% no claims discount
- A policy tailored to suit your needs using optional add-ons
By adding optional extra cover to your home insurance, you can build a policy that covers everything you need without paying for anything you don't.
With Hasting Direct home insurance you can choose add-ons including:
- Accidental damage cover
- Cover for items away from home
- specific cover for your most valuable items
- Family legal protection
- Home emergency cover
- Key cover
Choosing Home Insurance
When choosing your home insurance, there are many things to consider. We’ve narrowed down some of the key questions to ask yourself when selecting home insurance.
Are you a homeowner or renting?
This will affect whether you need building and contents insurance, or just contents insurance. If you are renting, your landlord will be responsible for maintaining the building, so you will only need to protect your own possessions with contents inurance. However, if you are a homeowner you will normally need both buildings and contents insurance. If you have a mortgage, taking out buildings insurance will almost certainly be one of the conditions you agreed to.
Does the policy provides enough cover for your needs?
All policies have their limits and it’s wise to make sure that your home is covered for the rebuild value rather than the market value. You should also carefully cost your possessions to make sure the policy will be enough to cover them all. Many people vastly underestimate how much their home contents are worth.
Does your policy offer New for Old cover?
New for Old cover for your possessions is offered as standard in many contents policies now, but this is still worth checking. New for Old simply means that you will receive a similar but new product to the old item, rather than the value of the old one.
What excess are you able to pay?
Most home insurance policies require you to pay an excess charge when making claim. There are normally two parts to this, a compulsory excess and a voluntary excess. The compulsory excess is set by your policy provider, while the voluntary excess is set by you. The higher your voluntary excess, the lower your monthly premiums will be, but the more you will have to pay out if you do make a claim.