Hastings Direct Home Insurance
Compare Hastings Direct Home Insurance With UK Market
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- Compare UK home & contents providers
- Find a policy to suit your needs!
- *Based on 10% of Admiral tier Instaquote building and contents combined customers between July and December 2020 paid from £115
- Choose from three levels of cover: Admiral, Gold or Platinum
- Unlimited buildings cover
- Up to £150,000 contents cover
- Bicycle cover (under £350)
- Optional additional cover including bicycle cover worth more than £350, high value items and personal possessions
- Optional extras including Family Legal Protection, Home Emergency Cover, Boiler Emergency Cover and Accidental Damage Cover
- 24 hour emercny helpline
- Moneyfacts’ Home Insurance Provider of the Year, Moneyfacts’ highest five star rating, Insurance Choice Awards Best Home Insurance Provider 2019
- Admiral.com Home Insurance is rated 9.1 out of 10 based on 4084 Revoo reviews from the last 12 months
- 20 million policies: Over the past 28 years, the Admiral Group has served millions of policies to our vast customer base.
- A personal claims manager if you need to move out of your home due to a claim
- Worldwide protection for your credit cards, debit cards and cash up to £500
- Cover for underground pipes comes as standard, so any accidental damage to those you are responsible for between your property and the mains is taken care of
- No need to specify single items worth less than £2,500 such as jewelry and paintings kept within the home
What’s not covered
- Home cover does not include loss or damage to valuables, personal belongings and pedal cycles when away from the home (available with Saga additional cover options – Personal Belongings Cover and Specified Pedal Cycles Outside the Home Cover).
- Home cover does not include loss or damage to contents in student accommodation.
- Certain loss or damage when your home is lent, shared, let or sub-let.
Cover for your property, possessions and more.
Damage to your property and possessions
- Caused by events such as fire, theft, subsidence and flooding
- Includes damage to garages and outbuildings and their contents
Cost of alternative accommodation (including loss of rent)
- We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
- And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable
Liability protection for injuries or property damage
- If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Wet rot, dry rot or frost damage
- Damage that’s been caused over time
- Fences, gates or hedges damaged in a storm
- Claims for poor workmanship or faulty design
Take a look at our policy wording for full details of what’s not covered.
* Excludes Home Emergency and Home Legal expenses
- Comparing quotes from a range of providers lets you find the best deal at the best price, with the add-ons you need
- Quickly compare home insurance quotes
- We’ll show you which home insurance quotes are the cheapest along with claims experience, a quality score, home emergency cover and cover level
- Once you’ve found a policy that suits your needs, you can call or click through to apply for your home insurance policy directly with the insurer
- *51% of consumers could save up to 41.70%, or £90.17. Consumer Intelligence, November 2019
- Save £££’s online with our home insurance policies
- Buildings, contents or combined insurance available
- Add on optional extras
- Low prices with great value insurance
- Flexible, comprehensive home insurance
- CCJ’s, bankruptcy or offenders acceptable
- Cover available for vacant property
- Non standard construction insurance available
- 9 out of 10 customers rate overall claims service as excellent
What do I need to get a quote?
Getting a home insurance quote normally takes about 8 minutes. But having the following at hand could speed things up:
Your property’s build date: you can find the actual date in your mortgage survey or home buyer’s report
The date you bought your house or when you moved in.
Locks and alarms: Confused provide useful lock pictures to help you find which locks you have fitted.
Details and cost of any claims in the last five years: This’ll be stated in your renewal documents. Alternatively contact your previous insurer.
The rebuild cost of your house: Confused will often fill this in for you. But you can also calculate it yourself, or hire a chartered surveyor to carry out an assessment.
The total cost of your personal belongings: If you don’t know this, you can use the Confused.com contents calculator.
The details of any items you wish to insure that are worth over £1,000.
Roof type: Which materials are used on your roof – such as asphalt shingle, tile, slate or thatched.
What does home insurance cover?
Home insurance falls into 3 categories – buildings, contents and combined buildings and contents insurance policies.
Buildings insurance covers the bricks and mortar of your home, and contents insurance covers your belongings. Typically, contents are anything you can pack up and take with you if you move home, such as furniture, clothes, and TVs.
Combined buildings and contents insurance policies can help reduce the cost of home insurance, but they’re usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.
You can compare all three policy types through Confused.com.
You can also add optional extras to your policy, such as home emergency cover and legal cover – however, some providers might include these as standard. Accidental damage cover is another extra worth considering, as it covers unintentional one-off incidents that harm your property or its contents.
For example, putting your foot through the floor when you’re up in the loft, or spilling red wine on the carpet.
- Cheaper insurance based on what you actually own – Every policy includes a free video survey with one of our accredited surveyors – meaning that in just 15 minutes, you’ll have an accurate figure of the exact level of cover you need
- Quick and easy claims – for items under £5,000 the survey will also serve as proof of ownership – meaning smoother, faster claims
- Get a quote in 60 seconds
- Your data is protected by bank and government grade technology, ensuring the highest levels of security and privacy. Your data will never be shared without your consent
- No cancellation fees
- No administration fees to make changes
- 24/7 UK based claims service
- Contents cover can include bicycle & gadget cover
- Damaged items get replaced with new
- Underwritten by Great Lakes, a fully owned subsidiary of Munich Re Group who are one of the world’s leading reinsurers
Hastings Direct Home Insurance
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.
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