Hastings Premier vs Hastings Direct Overall Review
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). Motor legal costs £29.99 as an add on.
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.
Who is the best car insurer in the UK?
Summary: Best car insurance companies in the UK 2022, by category
- LV=: Best for cheaper rates.
- Direct Line: Best for customer service.
- Admiral: Best for multi-car.
- Saga: Best for over-50s.
- Veygo: Best for temporary insurance.
- Hastings Direct: Best for young drivers.
- Swinton: Best for convicted drivers.
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 Premier? – Related Questions
Do you lose your no claims bonus if you claim for a windscreen?
No, your NCD is not affected for any windscreen claims.
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.
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.
Will I lose my no claims bonus if I sell my car?
Although your bonus is attributed to a specific policy, it can be transferred to another car if you change vehicles. If you switch insurers before the year is up, however, you won’t get the NCB for that year. The same is also true if you sell your car and wait for a period of time before finding a replacement.
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.
Can 2 people insure the same car?
You and your partner can both take out separate policies for the same car. Car insurance policies are for both the vehicle and the driver, so it’s perfectly fine, legal and common for two people to be insured on the same vehicle under separate policies. There are a few reasons why you might consider doing this.
Can a car be insured twice?
Is it illegal to have two policies on one car? No, doubling up on your car insurance isn’t illegal. But if you make a claim from two insurance providers, you can’t claim for the full amount from each of them. Doing so is considered fraud, which is illegal and can land you with a criminal record.