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Hastings Direct: Home insurance reviews

Name: Home insurance
Rating: 3.3 (71 reviews)

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3.25

Based on 71 reviews, last reviewed 14th Jan 2026

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

42%

15%

34%

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

Declined Claim & Excess Had an issue with my drains and was forced by Hastings to pay my £350 excess to DASA who would investigate. As they took my excess I assumed this was ... Read more Reviewed on: 14th January 2026

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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 (71)

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

Avoid immoral staff and ethics

One star rating but would rather zero... Absolutely dreadful company to have dealings with. We have had our car stolen so 3 weeks on and no further forward getting a resolution. Our first communication with Hastings straight away the advisor threw down our necks how much it was going to cost us. Sympathy doesn’t ring out of their mouths they don’t care it’s turned your life upside down. We have had to purchase another car on finance whilst we wait for them to sort their sorry backsides out. We sought a new policy with a 64 plate ŠKODA Octavia AA were offering 12 months fully comprehensive for £330 a month £200 excess. We called Hastings (30 mins of being on hold) to see if they could be competitive so the adviser told us if we paid £116 for the rest of the policy (4 months left) we would have no more to pay till Renewal. How wrong she was!!! It turns out as well as the £116 they lied about they still want £29.85 for the next 4 months as well That’s costing us nearly £240 for 4 months insurance!!! When we could have had 12 months for £90 more! Hastings you’re absolutely despicable every member of your “team” doesn’t know if they are a flag or a balloon every adviser pulls bs from the back of their imagination and fill us with lies. I’m livid and will do my upmost to share the disgusting experience I’ve had. From hours and hours of being on hold sitting through your monotonous Hypocritical recordings, trying a to find an adviser that actually knows something... it’s a joke you’re a joke and as long as I have a hole in my head I will make sure I never use you again and slate your company till I’m blue Reviewed on: 9th November 2019

Admin charges after you have taken out the policy

I have had nothing but problems with this company. As we had an insurance policy for one car already with this company, I asked for a quote for another car and got a great price. Unfortunately when the policy came through, they had made it a multicar policy, so the great price was for only 6 months not 12 months, so not great at all. When I phoned and pointed this out, they wanted to keep £20 for administration even though the policy had not started. The next trick was to pay back £100 less, as they decided they would keep this to cover the remaining months direct debit payments due on the original car policy they had added this vehicle to. After 2 hours of phone calls they agreed to pay everything back. I then did a quote on two comparison websites and took one of those out. Hastings then called to say the quotes did not match and they would need £55 to amend the policy. I was told I could cancel the policy, but would have to pay £20 admin fee, even though my exact job was not listed on the comparison site. After another two calls they agreed to reduce the extra I would have to pay from £55 to £20 as they would waive their £35 admin fee. When this policy expires I will not deal with Hastings again as I have a feeling this is their way of bumping up your insurance cost in admin fees. Reviewed on: 10th October 2019

good company

really good company to deal with makes the purchase so much easier Reviewed on: 28th July 2019

No frills no hassle

Straight forward to engage with, good value and so easy to make changes. Reviewed on: 6th July 2019

excellent

very good customer service shall recommend Reviewed on: 11th December 2018

Fantastic Customer Service

Each time i have needed to speak to Hastings there customer service has been very good, helpful at every stage Reviewed on: 19th September 2018

great product

good value customer satisfaction Reviewed on: 1st October 2017

Took a year to pay out

Took a year to pay out on an escape of water claim and then refused to cover me for the following year Reviewed on: 29th September 2017

Competitive but serious price increases

Still competitive, but inflicting major price rises on loyal customers - but less than the market, so still doing something right Reviewed on: 27th September 2017

Good Experience

I always had good support from them, they delivered on all their promises and I would definitely recommend them to a friend. Reviewed on: 2nd September 2017

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