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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

Good Product, Shame About the Extra Charge

Found the insurance through a comparison website. Good coverage and good price. However, I wanted to think things over and maybe arrange the insurance direct (in case I had any further questions not covered by the info I got online) but that would have cost me an extra £12 plus just to speak to someone on the phone about the policy... Did end up taking the policy but didn't go direct. Reviewed on: 31st July 2017

Great service....

its just a shame about the admin charge every time you change something. Apart from that I have had no problems. Reviewed on: 24th July 2017

easy and cheap

got my home insurance with hastings direct. it was easy and the best and cheapest quote i got so i took them up on it! Reviewed on: 18th July 2017

Not bad

Easy to set up and reasonably priced Can be difficult to get through to Reviewed on: 13th October 2016

No problems

Never had any problems, very cheap and reliable Reviewed on: 1st August 2016

Home Insurance Reviewer

Haven't flooded for 57 years prior to the flood barrier been erected when whole village went underwater , wouldn't insure ! The computer said no ! Rubbish Reviewed on: 13th July 2016

CheekyCharges Campaigner

Not too bad, until, I wanted to change my address, and, found out it would cost me £30 to be able to do it! Reviewed on: 13th March 2016

Efficient, and good value for money.

Hastings Direct are very competitive when it comes to price, plus they give you 5 star customer service. I would recommend them to absolutely anybody. Reviewed on: 8th November 2015

simple and hassle free

Hastings direct offered a simple and quick insurance quote. Their website is easy to navigate and very user friendly giving the option to tailor make your policy to suit your own needs. The price offered was the best around and the final step to purchase the insurance was hassle free and quick. Reviewed on: 5th November 2015

quick and easy

Have been with Hastings for 3 year as they always seem to be cheapest when I come to renew. Can't judge them on their claims handling as thankfully I havent needed to claim Reviewed on: 27th August 2015

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