A policy like Hastings Essential does what it says on the tin: it covers the essentials. If you’re involved in an accident, we’ll provide cover for damage to your car, and we’ll also pay out if your car’s stolen or damaged by fire – minus the agreed excess. Hastings Essential does offer comprehensive cover.
Is Hastings Essential the same as Hastings Direct?
It has three car insurance ranges: Hastings Direct, Hastings Essential, and Hastings Premier. The no-frills Essential product is the cheaper option, but while Hastings Direct (which also provides the Premier range) has an impressive five-star rating from Defaqto, Hastings Essential gets just two stars.
How do I contact Hastings Essential?
Just call us on 0333 321 9790 and we’ll be happy to help.
Who underwrites Hastings Essential?
Around 90% of policies are directly underwritten by the Group’s Gibraltar based insurer, Advantage Insurance Company Limited. Hastings Group (Consolidated) Ltd is part of the Nordic insurance group Sampo.
What is Hastings Essential car insurance? – Related Questions
Is Hastings a good insurer?
Hastings Direct scores 4.4/5 on trustpilot.com, based on 63,742 reviews, and 67% of reviewers rated the company ‘Excellent’. However, 10% rated it as ‘Bad’. Some customers complain that premiums have risen considerably on renewal.
Can Hastings essential drive other cars?
If you’ve got a policy with Hastings Direct, you can find out this information under section 5 of your motor insurance certificate. If you’ve looked at the terms and have cover to drive another person’s car with permission, you’ll only be covered by third party insurance.
Can I drive someone else’s car on my insurance?
No. There was a time when many fully-comp policies automatically gave you third-party insurance to drive any car, but those days have gone. So even if you’re fully covered for your own car, don’t assume you’re insured to drive other people’s cars otherwise you risk breaking the law.
Can someone drive my car if they are not on my insurance UK?
It might be an emergency or you may have permission from the car owner, but that doesn’t mean it’s legal. Unless you’re a ‘named driver’ on their car insurance, you almost certainly won’t be insured. And both the driver and car owner can run into trouble if caught without the necessary cover.
Does my car insurance cover me to drive other vehicles?
As we’ve seen, driving other cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy.
Can I drive another car Hastings Premier?
The ability to drive other cars can’t be added to a policy if it’s not already included, but you may be able to add a temporary vehicle to your insurance. If you’d like to do this, log in to MyAccount and start a live chat or call us on 0333 321 9801.
Can named drivers drive other cars?
If you drive someone else’s vehicle then you will not be covered by their (the main driver) motor insurance policy – you must become a named driver on their policy. As a named driver you will be given the same level of cover as the vehicle’s main driver.
Can I drive someone else’s car if I’m fully comp Admiral?
Can I drive anyone else’s car? If you’re the policyholder and you’re aged 25 or over, then Admiral may be able to arrange third party cover for you to drive someone else’s car. However, just being over 25 doesn’t guarantee you’ll be able to hop into a friend’s car and take it for a spin.
Do I have to use the Hastings Direct you drive?
No, as long as your Bluetooth and location services are on, and you’ve given the necessary permissions, the app will automatically record your journeys. Just make sure you always have your phone in the car when you’re driving.
Is Hastings YouDrive a black box?
YouDrive is our Telematics car insurance (Black Box insurance) policy. It’s easy to set up and you’ll be able to track how you’re driving via our easy-to-use app.
Does Hastings Telematics have a curfew?
YouDrive | Hastings Direct. YouDrive looks at your actual driving style to get you a great price. With no black boxes, no curfews, & no fuss, you see the same data we see via
Is there a curfew on Hastings black box?
While we don’t issue a curfew for those using our black boxes, you may see an effect on your driving score if you drive at night a lot. That means you can be designated driver at the weekend but should be aware that it can have an impact on how much you pay for your car insurance.
Can YouDrive after 10pm with a black box?
Night-time curfews and penalties
There are no night-time driving restrictions so you’re able to drive where you like when you like.
What happens if you go over speed limit with black box?
Your black box considers a whole host of factors, including your acceleration, braking, and turning. A small lapse into speeding is unlikely to affect its overhaul assessment of your driving performance. At the most, you’ll earn a warning from your insurer, encouraging you to pay more attention to posted speed limits.
Does a black box Track your location?
How does a Black Box track your car? Your black box uses GPS to find the location of your vehicle – this is usually used to check what roads you have been using and the time of day you have been driving, which can affect your driving score.
Can you cheat a black box?
Some people suggest tampering with the device or temporarily unplugging it in order to maintain their driving records and discounts. But there’s no way to “trick” a telematics device that doesn’t invalidate your insurance. It’s also insurance fraud, which is a crime.