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Hastings Direct: Car insurance reviews

Name: Car insurance
Rating: 3.16 (673 reviews)

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3.05

Based on 673 reviews, last reviewed 24th Oct 2025

1200% increase in 5 star reviews

in the past 90 days

20% decrease in 1 star reviews

in the past 90 days

35%

20%

34%

Latest highest rating:

4

Better value for money The price drop from my last insurer was very impressive, for a lot of the same coverage. I haven't as of yet had to report or claim anything but every... Read more Reviewed on: 1st October 2025

Latest lowest rating:

1

We had an absolutely dreadful experience with Hastin... We had an absolutely dreadful experience with Hastings Direct. A claim was deemed our fault without anyone from Hastings ever viewing images of our ve... Read more Reviewed on: 24th October 2025

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About this product

Hastings Direct provide award-winning car insurance.

You can get a Hastings Direct car insurance quote online and manage your policy via the mobile app. There are three levels of cover, Essentials, Direct and Premier. They're available as an online product which is a lower cost, self-service policy that you manage yourself.

Hastings Direct car insurance reviews help you find out what it’s really like to be a customer. If you’ve used Hastings Direct before, you can also leave a review and share your experience.

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Hastings Direct Car insurance reviews (673)

We had an absolutely dreadful experience with Hastin...

We had an absolutely dreadful experience with Hastings Direct. A claim was deemed our fault without anyone from Hastings ever viewing images of our vehicle — which, by the way, had no damage at all. The other vehicle had significant damage, which made the whole thing scream “crash-for-cash”, yet Hastings didn’t even bother to investigate properly. We received no calls, no letters, and no emails from them throughout the process. We had to chase them every single week for months just to get basic updates. Eventually, we were told to submit photos of our undamaged car ourselves — only for Hastings to say their “IT system” had to verify the attachments as safe before the case handler (who we’ve never spoken to) could even view them. To make matters worse, we only found out the claim had been made and closed when my partner went to renew their car insurance! Hastings had made a decision, closed the case, and never once contacted us. When we challenged this, they admitted they couldn’t determine who was at fault — yet they still left the claim as our fault, even though they never viewed the evidence. We raised a formal complaint, but (surprise, surprise) no one ever called us back. They eventually closed the complaint, acknowledged that there had been failings, but refused to correct the record. They still haven’t viewed the images we sent and refused to tell us what the so-called “technician’s report” said — and they also refused to put anything in writing. In short: terrible communication, poor investigation, and zero accountability. They’ll happily mark a claim against you without doing their job. Avoid Hastings Direct completely. Reviewed on: 24th October 2025

!!!AVOID!!!

I am writing this review to detail a significantly negative experience with Hastings Direct concerning a telematics (black box/tag) policy that resulted in the unilateral cancellation of my insurance and excessive charges. Prospective customers, particularly those considering a telematics product, should be vehemently aware of these issues. The core of the issue was a monumental failure in service delivery. The policy required a telematics tag to be sent and connected within 10 working days of the policy start date, as stipulated on their website. The tag was never delivered. Despite this clear service failure on their part, the company unilaterally cancelled the policy after only 14 days of use. When I contacted them, I was met with uncooperative and contradictory customer service. They refused to reinstate the policy and attempted to shift the blame, stating I should have checked an email notification regarding the non-receipt of the tag—an email which I can confirm was never sent. The customer service agents offered excuses rather than solutions, effectively punishing the customer for the company's own breach of contract. The policy cancellation led to the most concerning issue: an excessive and unfair cancellation charge. For only 14 days of cover, the charged amount was grossly disproportionate to a reasonable daily pro-rata rate. The company refused to cooperate on adjusting this charge or offering any fair resolution. I urge potential customers to exercise extreme caution with Hastings Direct, especially regarding their telematics policies. The combination of service failure, unilateral policy cancellation, misleading communication, and uncooperative handling of excessive charges demonstrates a deeply flawed customer experience. I highly recommend seeking insurance elsewhere to avoid similar future complications Reviewed on: 22nd October 2025

They are deceiving people!!!

Don't buy this insurance! They're ripping people off! We decided to cancel our policy just three days after signing up, and they charged us £40, even though the policy costs £83 per month. When we tried to cancel, it clearly stated that we could cancel within two weeks. This is usually free with other companies, but here they charged us £40 for nothing! This is what they wrote to us: > "We charge £40 for a non-refundable setup fee for setting up your policy and a telematics service fee. The remaining amount (£5.76) is for the entire term of your policy." Don't bother with this company—they make money by charging people to cancel their policy within few days! Can you imagine, £5.76 for three days of insurance, and the rest is a non-refundable registration fee for your policy and a telematics service fee? We haven't even received any Telematic* Grey box) yet, and they're already charging a fee. It's like being addicted and not knowing how to get out without financial loss. Also, if you forget your phone at home, you'll be fined for driving without it, as the telematics panel in your car will alert you. Check out YouTube—there are plenty of videos from angry customers sharing their negative experiences. This is the worst car insurance company in the UK! Reviewed on: 13th October 2025

Better value for money

The price drop from my last insurer was very impressive, for a lot of the same coverage. I haven't as of yet had to report or claim anything but everything was clear early and whenever I needed to ring up for help they were very useful. Reviewed on: 1st October 2025

Really good, helpful customer service, sorted issues...

Really good, helpful customer service, sorted issues out straight away Reviewed on: 7th September 2025

Excellent Service.

Hastings are always quick to answer the phone, extremely helpful when you have a query and always understands your needs. I wouldn't go anywhere else!! Thankyou all :) Reviewed on: 6th September 2025

Honest and simple to obtain a quote with competitive...

Honest and simple to obtain a quote with competitive rates on-line. If want to speak to someone that's not a problem; customer service is friendly and efficient. Reviewed on: 6th September 2025

Even searching for better quotes online I haven’t fo...

Even searching for better quotes online I haven’t found better prices than Hastings for 2 years. 1 accident and it was sorted without much issues and courtesy car was provided. I got an email saying my price has been reduced for an issue in the pricing initially which is good considering they could have not done anything and kept the money. Reviewed on: 6th September 2025

Car insurance went up quite a bit last quote but sti...

Car insurance went up quite a bit last quote but still cheaper than most other insurers Reviewed on: 5th September 2025

Their insurance portal is easy to use

Their insurance portal is easy to use and setting everything up was good. It was cheaper than every other insurance on the market by quite a lot. To make a change it is easy, but I do think there are quite long wait times sometimes to speak to someone. Reviewed on: 5th September 2025

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