Hastings Direct home insurance

Find cover for your home with Hastings Direct

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Who is Hastings Direct?

Established in 1997, Hastings Direct is an intermediary that acts on behalf of several insurers to provide you with the best cover.

Along with home insurance, it also provides a range of products and services, including car, bike and van insurance, as well as extra products like breakdown cover and personal loans.

Hastings Direct is underwritten by a panel of partner insurance companies that includes:

Advantage Insurance Company Limited, AXA Insurance UK PLC, Lloyds Banking Group PLC, Integra Insurance Solutions Limited, Prestige Underwriting Services Limited, and Royal and Sun Alliance Insurance Limited.

Hastings Direct logo

Why choose Hastings Direct home insurance?

Hastings Direct has more than 25 years’ of experience. Today it has more than three million live customer policies - helping to give people peace of mind when they face the unexpected.

With a strong focus on customer service, Hastings Direct scores 4.1 out of five on Trustpilot, from more than 121,000 customer reviews. And more than 45,000 customers score it an average of 4.2 out of five on reviews.co.uk.

What’s more, Hastings Direct home insurance has been awarded a four-star expert rating from Defaqto, the independent financial research company.

What does Hastings Direct home insurance cover?

Home insurance is designed to provide financial protection from unforeseen situations that might affect your home or its contents.

Hastings Direct offers both buildings and contents insurance, which you can purchase separately or as a combined policy.

You can choose from two levels of cover to help you find the right policy for your needs and budget:

Cover included Hastings Direct Hastings Premier
Alternative accommodation cover for your family and pets
New for old (excluding linen and clothing)
Up to £1 million for buildings insurance
Up to £150,000 of contents cover
24-hour claims helpline
Up to £100,000 home legal expenses cover
Home emergency cover

Hastings Direct buildings insurance

A Hastings Direct buildings insurance policy protects your home against unexpected damage from things like a fire, storm, or flooding.

It covers the bricks and mortar of your home and its permanent fixtures, like fitted kitchens and bathroom suites. It’ll also cover your outbuildings, like sheds and garages.

Hastings Direct buildings insurance includes cover for:

  • Damage to the structure and permanent fixtures and fittings of your home
  • Accidental damage to underground drains and pipes
  • Up to £50,000 in costs for alternative accommodation
  • Trace and access to help find the cause of a leak
  • Up to £500,000 cover for damage from leaking water and oil
  • Up to £1 million cover for property owner’s liability
  • Replacing locks and keys

Hastings Direct contents insurance

Hastings Direct contents insurance takes care of what’s inside your home. It’ll pay to repair or replace your things if they’re suddenly damaged or lost, from events like fire, theft or flooding.

Hastings Direct contents insurance includes cover for:

  • Up to £150,000 worth of possessions
  • A single-item limit of up to £1,500 (unless specified otherwise)
  • Escape of water and oil
  • Contents in outbuildings
  • The cost of alternative accommodation, up to £10,000
  • Replacing spoiled frozen food, up to £500
  • Up to £500 in money and credit cards kept at home
  • Visitors’ belongings up to £1,000
  • Up to £1 million in public liability


You can add any of these extras to your Hastings Direct policy to get the right cover for your home:

Home emergency cover (included with Premier policies)

This protects you against home emergencies, like plumbing issues or a central heating breakdown. Hastings Direct will send out a qualified tradesperson and will cover you for costs up to £500.

Home legal expenses (included with Premier policies)

This cover provides a helpline to discuss personal debt or legal problems. You can also get up to £100,000 towards legal costs to help with legal matters, including personal injury and employment disputes.

Personal possessions cover

You can add this cover to protect any items you might temporarily take away from home, like your bike or jewellery.

Accidental damage

This will cover structural accidents like putting your foot through the loft floor or hitting a nail through a pipe. And it’ll cover your contents for mishaps like spilling a tin of paint on the carpet or knocking over your TV.

How do I get in touch with Hastings Direct?

The best way to get in touch and manage your policy is to use the Hastings Direct app.

Rated 4.6 out of five on the App Store, the app makes it easy to update or change your policy details. It also provides support information, as well as a live chat service.

You can also call the Hastings Direct customer services team on 0333 321 9801.

Lines are open:

  • Monday to Friday: 8am - 9pm
  • Saturday: 9am - 5.30pm
  • Sunday: 10am - 5pm

How do I make a claim with Hastings Direct?

To claim on your Hastings Direct home insurance policy, you’ll need to speak directly to the insurer named in your policy documents:

  • Advantage: 0333 003 2336
  • Axa: 0333 241 3549
  • Lloyds: 0345 074 4826
  • Integra: 0300 045 1300 or log in to their portal
  • Prestige: 0800 917 7292
  • Royal Sun Alliance: 0330 041 6186

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Page last reviewed: 03 May 2023

Page reviewed by Jasmine Hembury