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Finding a high standard of cover for a great price need no longer be a battle thanks to Hastings' Defaqto five-star rated car insurance. They will compare prices from some of the leading insurers in the UK to get you the best deal, while just for getting a quote, you will receive a half-price MOT voucher for Halfords Autocentres.

Choose comprehensive, third party fire and theft or third party only cover and benefit from a 24/7 UK claims helpline, 90 days of EU cover and protection for things like satellite navigation equipment. You can opt to pay monthly, while you can also personalise your cover with optional extras such as breakdown cover, legal protection, personal accident cover and a protected no claims discount.

If you have more than one vehicle in your household, you can save time and money by opting for their multi-car insurance, while if you choose Hastings Premier car insurance, you will benefit from a choice of four tiers of breakdown cover and motor legal expenses. Get a car insurance quote today and see how much you could save.

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Multi-Car Insurance


You can insure two cars with Hastings Direct and save money with a multi-car insurance policy, which will insure both drivers in a single household, whether you are related or not. For new Hastings Direct customers, discounts will be applied to both policies, while existing customers will see their multi-car discount of up to 10% applied to their second car policy before the existing cover is discounted at its next renewal date.

There is no need to worry if the renewal date for the second car is still some way away as they the multi-car insurance quote will be guaranteed for up to six months. You will also benefit from features like windscreen and windows cover, a no claims discount up to 65%, unlimited cover for audio equipment fitted by the manufacturer, as long as it was part of your car's original specification, and an uninsured driver and vandalism promise with comprehensive policies.

Hastings Direct Car Insurance Features
  • Optional Extras

    You can add a range of optional extras to your car insurance policy. Select breakdown cover and you can choose one of four comprehensive options to suit your needs and budget. Select either roadside recovery, UK recovery, home service or European cover and, if your vehicle has broken down and cannot be driven, you will be assisted based on the level of cover chosen.

    If your car keys are stolen, or you lose them, their key cover will protect you up to £1,500. You will also be covered if you lock your keys in your car or if they break in the lock and you cannot get into your car. Take out motor legal expenses cover, meanwhile, and enjoy peace of mind knowing that should you have an accident, you will be protected against the cost of any possible legal action.

    If you are involved in an accident which was the fault of the other driver and results in your car being badly damaged, should you need to use taxis or a hire car while your vehicle is being repaired, legal expenses cover will recover those costs from the driver at fault and their insurance provider. As well as travel expenses, you will also be able to recover any loss of earnings suffered as a result of the accident and any out of pocket or medical expenses if you have legal protection.

    Personal accident cover is a standard feature of any comprehensive Hastings Direct or Hastings Premier policy, but it is limited to £5,000. As it offers financial compensation for a range of injuries suffered by you or others, you may want to take out enhanced cover, which will provide you and your passengers with a greater level of protection in the event of an accident.

    Substitute vehicle cover will get you back on the road for up to 21 days should you be at fault for an accident which results in a total loss or an unrecovered vehicle anywhere in the UK. This represents enhanced cover as, with a standard policy, they will provide you with a courtesy car, subject to availability, while your car is being repaired following an accident for which you were not to blame.

  • Telematics Insurance

      If you are a young driver who is safe behind the wheel, you could benefit from great savings with Hastings Direct SmartMiles.

      When it comes that time to renew your policy, if you have demonstrated that you are a good driver, you could make savings on top of your no claims discount, while you can access your personalised online dashboard, which is full of handy tips, anytime and monitor your driver rating. SmartMiles is right for you if you are aged 17 or over, will drive less than 15,000 miles in the next year, mainly drive between 5am and 10pm and are happy for their approved installers to fit a SmartMiles box in your car.

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Car Insurance FAQs

Do I need car insurance?

Anyone who drives a vehicle is legally obliged to have insurance against the risk of causing damage or injury to another driver, when using that vehicle. Insurance also covers the driver themselves. Anyone caught without insurance runs the risk of court action, a criminal prosecution and a ban from the road.

So you need insurance for driving cars, but as one might expect there are a huge number of factors that affect the premium costs.

What types of car insurance exist?

There are generally three types:

Third party: covering liability for injury to others, property damage, and liability while towing a trailer.

Third party fire and theft: same as above, but also covering fire and theft including any damage to your vehicle inflicted while the theft took place.

Comprehensive: same as above, but also covering loss or damage to your vehicle and its windscreen, and other things such as medical expenses .

What affects the cost of car insurance?

  • Postcode
  • Make and model of car
  • Security of car – eg where it is parked, use of immobilisers
  • Driving history – number of claims etc
  • Social demographic – see below
  • Haggling! Don't be afraid to negotiate; after all, there are plenty of other insurers out there…
  • Telematics – installing a black box so that an insurer can monitor your driving habits and adjust them accordingly is a good way to drive down prices. Check if your insurer offers such a service.

How do my life circumstances affect the cost of my premium?

Social demographic is one of the factors that is most-tricky to understand, and each insurer has their own guidelines and algorithms to arrive at a final cost. One might understand mileage and speeding tickets being factors, but what about occupation and number of children?

Insurers do not reveal their exact reasoning for arriving at a particular figure. Your job could have a major effect, for example; a job that requires plenty of driving such as a rep or even a journalist could cost you more when it comes to renewal.

Do I need business insurance?

Not if the only driving you do is commuting to and from work.

There are various business use classes, to cover anything from driving to multiple places of work and also covering your spouse, to delivery of light goods, through to occupations such as taxi driving or courier services.

Do I have to own the car to insure it?

Not always, although this is by far the most common scenario. You can insure a car for someone else, such as a son, daughter or partner, and you can also insure yourself before you buy it. you will be required to tell the insurer that you are not the owner or registered keeper, and some may refuse to insure you in this instance.

Can I drive someone else's car?

Possibly, although you should check the terms of your cover before getting behind the wheel. There may be certain classes of drivers who cannot drive other cars under their insurance, such as newly-passed drivers.

How important is No Claims Bonus?

Ideally, drivers who have not made a claim for several years (or decades) should be paying a very low sum for their insurance, as they are clearly less of a risk for insurers than someone who has been involved in several accidents. However, the reality is sometimes more complex.

For each year that you drive without making a claim, your insurer will award one year no claim bonus (NCB). Certainly the first five years of building up an NCB are beneficial, as after that costs will generally start to fall rapidly.

After a certain period of driving (such as five years) a driver can pay to protect their NCB, so that the discount endures even if they have an accident. However, the way a discount is applied varies between insurers. Most allow you to make one claim in a year, or two claims in three years, and still keep your NCB. At the end of each year make sure you keep your proof of NCB, so you can use it for renewal.

What else do I need to know?

  • As tempting as it may be to tell a white lie to lower your premium, there really is little point in being dishonest. If you are caught the insurer could cancel your policy or charge the ‘correct' amount. A non-disclosure will also need to be admitted on all future applications. However, there may be some exceptions if technical errors are made.
  • As with most insurance types, it is usually far cheaper to pay in one lump sum than monthly.

How can I get a cheap quote?

One way to get a cheap quote is through using a comparison website. We have partnered with Quotezone.co.uk who compare 100+ car insurance providers and are 100% independent meaning they are not owned or have investment from any insurance company.

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More about Boots

Look after yourself for less with Boots offers, vouchers and discounts. Boots is the UK’s leading pharmacy-led health and beauty retailer, with more than 2,500 stores in the UK, ranging from local community pharmacies to large destination health and beauty stores.

You will find a Boots store along most high streets, in shopping centres and airport terminals, plus you can shop their products any time of the day or night online and collect for free the next day.

On top of Boots discounts and offers, you can use an advantage card to earn points, which can be saved up and spent in store. How about waiting till you have enough to treat yourself to a Boots fragrance from the likes of Dior, Calvin Klein or Chanel? Boots have perfume for her and aftershave for him – perfect to keep you smelling sweet.

Boots is the perfect place to pick up the essentials to re-stock your bathroom cupboards, from deodorant and face wash to shower gel and shampoo – you will find it all here. Alongside this, on Boots make-up counters, you will find everything from nail varnish to eyeliner from top brands including Maybelline and Rimmel.

While shopping for toiletries and make-up you can visit Boots Opticians to have your eyes tested and buy glasses, designer frames and contact lenses as well as prescription sunglasses. Don’t forget to use Boots cashback to save money on your new lenses.

Boots chemist, which is also located in-store, has all you need to keep you in good health from free repeat NHS prescriptions to allergy relief and vitamins. Your local Boots pharmacist can also help to answer your questions, give you advice and support or treatment – which may save you a trip to the doctors.

You will also find a photo printing service within Boots, where you can turn a digital image into a hard copy, that you can then frame for the wall. You can also transform your favourite image into a canvas print, greeting card or even a mug, if you wish.

Photos are the ideal personal gift, but in Boots you will also find a wide range of gift sets that are both practical and perfect – for him and her.

Keep yourself looking and feeling great for less with Boots promo codes, discount codes and voucher codes via Quidco.

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