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Hastings Direct: Home insurance reviews

Name: Home insurance
Rating: 3.33 (70 reviews)

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3.34

Based on 70 reviews, last reviewed 7th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

42%

16%

33%

Latest highest rating:

4

Easy to manage on line Easy to manage on line, app useful. Good price, easy to to understand policies Reviewed on: 7th September 2025

Latest lowest rating:

1

Cheap.. but it shows! Very poor customer services! Initially had to answer lots of questions eg does the house have a slate or tile roof? ( they knew all that anyhow) Total... Read more Reviewed on: 17th July 2025

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About this product

Hastings Direct have three different home insurance policies to choose from with varying levels of cover.

Opt for Hastings Essential, Hastings Direct or Hastings Premier. You can choose optional home legal expenses and home emergency cover; they are included as standard with the Hastings Premier policy.

Hastings Direct home 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.

Hastings Direct Home insurance reviews (70)

Review of the Hastings Direct, Home insurance:

Do not bother

We recently started a bathroom renovation. Upon the bathroom being ripped out our builder discovered that 5 joists under the floor boards had rotted from water damage. This was unbeknownst to us as there hasn’t been any indication of a leak. I contacted Hastings to explain and they at first were great and quick to sort out alternative accommodation for us due to having no access to toilet facilities. 4 days later a surveyor came, the claim was declined and we have been left not knowing which way to turn to make our house structurally safe again. And given about 18 hours notice to check out of the hotel we had been put up in. The claim was declined as the joist damage was put down as previous damage to before our policy was taken out as the surveyor said their must have been a long term escape of water from somewhere to cause the level of damage. He then also put it down to failed sealant around the bath which is an exclusion on the policy even though the bathroom is a complete shell back to brick so he was clearly just making a guess! If we wouldn’t have started the bathroom renovation we would have been none the wiser to this damage until a serious accident happened and the bath fell through the kitchen ceiling. How can a claim not be valid when there is no evidence of any escape of water that we could have fixed? We are a young family with a disabled child. His health is now being put at risk as he has respiratory issues that require us to give him steam baths regularly. I am utterly disgusted with Hastings lack of morals. I have hone, contents and car insurance with them. Not for much longer!! Reviewed on: 27th October 2023

easy to do

Bought this year- easy to do - simple questionnaire which covered everything Reviewed on: 4th September 2024

Hastings are great

I had hastings for one year it was a smooth experience and they covered everything I needed and wanted. Unfortunately I had to leave as their price had risen a bit too much for me. Leaving was easy, no problems. Reviewed on: 4th September 2024

Excellent company

They were very helpful in reducing my yearly premium Reviewed on: 24th August 2024

The best product for the price

The best product for the price, comprehensive cover with value Reviewed on: 24th August 2024

Competitively priced.

To date I have not had to make a claim and have limited dealings with Hastings but customer service has been polite and efficient and pricing competitive. Reviewed on: 23rd August 2024

Our home insurance was very competitively priced, wi...

Our home insurance was very competitively priced, with low excesses and high cover. It was easy to personalise our cover and add on valuables such as an engagement ring, and gadget cover for both inside and outside the home. Reviewed on: 23rd August 2024

So easy to use their website and get a quote

So easy to use their website and get a quote Reviewed on: 23rd August 2024

Really easy to set up a policy.

Really easy to set up a policy. They’re always competitively priced against other providers. Their app makes the policy easy to manage and if you need to make any changes. Reviewed on: 23rd August 2024

Were the cheapest by a small amount but have used in...

Were the cheapest by a small amount but have used in the past and very competitive and good customer service. The app they have is about as good as insurance companies have figured out so far. Always worth topping up with a cashback somewhere too Reviewed on: 23rd August 2024

Disgrace.

Disgrace. Basically accused of lying to save them £100. Because I was not in the room when the damage occurred they referred to this as an inconsistency rather than simply honest. Liars and cheats. Took 3 months to refuse to pay so paid £50 in premiums whilst waiting. AVOID. Reviewed on: 10th January 2024

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