Hastings Premier vs Hastings Direct Overall Review
This means that they are exactly the same in every way… other than with two features as far as we can tell. Essentially, Hastings Premier offers motor legal and breakdown cover as standard—and Hastings Direct does not (you can buy these as add ons, however).
What is included in Hastings Premier?
Hastings Premier
With a Premier policy you’ll enjoy benefits such as legal protection, roadside assistance and breakdown recovery.
Is Hastings Direct same as Admiral?
Admiral and Hastings Direct are two of the largest car insurance companies in the UK. Both come with most ‘must-have’ features, but they do not offer equal products.
Does claiming windscreen affect premium Hastings?
Will a windscreen claim affect my no claims discount? Not if you have a Hastings Direct or Hastings Premier policy. If you have a Hastings Essential policy a windscreen claim will affect your no claims discount unless you have protected it.
Whats the difference between Hastings Direct and Hastings Premier? – Related Questions
Who do Hastings use for windscreen?
Our comprehensive Hastings Direct or Premier policy holders can book a windscreen repair or replacement 24/7 via our partners, National Windscreens.
Do you lose your no claims bonus if you claim for a windscreen?
No, your NCD is not affected for any windscreen claims.
Does a windscreen replacement count as a claim?
Does windscreen cover count as a claim? Some insurers might make an exception for windscreen claims and not count them towards your no-claims bonus. However, this depends on the insurer so you need to check with them. Either way, it’s important you tell the truth about windscreen repair claims when asked at renewal.
Do I have to declare windscreen claims?
You don’t have to declare it as a claim but some insurance companies now ask about windscreen replacement specifically, in which case you have to answer honestly.
Does a windscreen replacement count as a claim direct line?
You’ll need to pay an excess of £10 for a windscreen repair or £75 for a replacement. And if you have comprehensive insurance with us, these repairs won’t affect your No Claim Discount (NCD). The work is carried out by our approved supplier, Autoglass.
Does claiming for windscreen affect no claims Admiral?
Please note: Windscreen claims won’t affect your No Claims Bonus.
Is 9 years no claims the maximum?
For example, if you’ve been driving for 15 years and haven’t made a claim, and your insurer’s maximum limit is 9 years, it will show on your insurance document that you have 9 years no claim bonus.
Does 1 year no claims make a difference?
It can save you money.
Even after just one year of claim-free driving, you can earn a discount of up to 30 per cent on next year’s car insurance costs. After five years this could be as much as 60 per cent.
How many years no claims can you have?
There’s no standard maximum period over which you can build up a no-claims bonus. Some insurance providers cap it at five years, others at nine or more.
How many no claims will I lose?
If you make one claim on your insurance and your insurance provider pays out, your no claims discount is typically reduced by two or three years. It could be further reduced if you make two or more claims. So, if you have eight years of NCD and make a claim, in theory you’ll be left with five or six years’ NCD.
Do I lose my no claims if I don’t drive for a year?
If you’ve stopped driving for a while or you no longer own your car, you should still be able to use your no-claims bonus – it will last for two years after you stop driving. After this, it will expire, and you have to start building it again.
Should I claim on my car insurance if not my fault?
Yes. You need to declare all accidents that you’re involved in, regardless of who or what was at fault. Almost every insurance provider will have a clause in their policy requiring you to declare any incidents you’ve been involved in while driving in the past 5 years.
Why has my insurance gone up after a non-fault accident?
Your premiums could go up after you’ve declared a non-fault claim. This is because your insurance provider may decide that the reason for the claim is more likely to happen again, even though it wasn’t your fault. For example, if your car was struck while parked, your insurer might think your chosen spot is riskier.
Is it worth claiming on car insurance for a dent?
In a nutshell, small dents/scratches on your car’s surface does not require a car insurance claim. In fact, it is best to refrain from raising a claim in such a scenario, as you may otherwise lose a lot of money.