Aviva vs Hastings Direct
Comprehensive comparison of Aviva and Hastings Direct car insurance. Our expert analysis examines pricing, coverage, customer service, and claims handling to help you choose the right provider for your needs.
Key Comparison Insights
Overall Recommendation
Pick Hastings for budget efficiency. Choose Aviva for digital convenience, superior features, and long-term value.
Pricing Analysis
Hastings is typically 15–25% cheaper than Aviva for standard drivers. Aviva targets value-conscious users with bundled insurance offerings and multica...
UK Market Context
UK average car insurance premium is £694(Association of British Insurers). See how Aviva and Hastings Directcompare to this benchmark in our detailed analysis below.
Company Information Comparison
| Feature | Aviva | Hastings Direct |
|---|---|---|
| Established | 1696 | 1997 |
| Underwriter | Aviva Insurance Limited | Advantage Insurance Company Limited |
| Market Position | Premium | Mid-range |
| Customer Service Hours | Mon-Fri: 8am-8pm, Sat: 9am-5pm, Sun: 10am-4pm | 24/7 |
| Claims Satisfaction | 4.0 | 4.2 |
| Financial Strength | AA | A– |
| Mobile App Rating | 4.1 | 4.1 |
Policy Features Comparison
| Feature | Aviva | Hastings Direct |
|---|---|---|
No Claims Discount Years protected | Up to 5 years | Up to 5 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 3 years | Up to 2 years |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£300.00
Aviva
£250.00
Hastings Direct
Maximum Cover
£5,000,000
Aviva
£5,000,000
Hastings Direct
Total Policies
3
Aviva
3
Hastings Direct
Comprehensive Cover
Full Coverage
Aviva
Full Coverage
Hastings Direct
Premium Analysis
Features Comparison
Policy Type Distribution
Aviva
Comprehensive
1
Third Party Fire & Theft
1
Hastings Direct
Comprehensive
1
Third Party Fire & Theft
1
In-Depth Comparison Analysis
Expert Comparison Analysis: Aviva vs Hastings Direct
Our comprehensive analysis compares Aviva and Hastings Directacross multiple dimensions including pricing, coverage options, customer service quality, and claims handling. This detailed comparison is based on real policy data, customer feedback, and market research to help you make an informed decision about your car insurance.
Overall Verdict
Pick Hastings for budget efficiency. Choose Aviva for digital convenience, superior features, and long-term value.
Detailed Head-to-Head Analysis
Pricing & Value Analysis
Hastings is typically 15–25% cheaper than Aviva for standard drivers. Aviva targets value-conscious users with bundled insurance offerings and multicar deals.
Aviva
Average: £383.33
Hastings Direct
Average: £330.00
Coverage & Benefits Comparison
Aviva includes features like legal cover, windscreen protection, and digital policy adjustments by default. Hastings offers these as add-ons.
Customer Service Comparison
Aviva has a strong digital platform and mobile app, while Hastings uses a simpler interface with good email and call response times.
Claims Process Analysis
Aviva claim system is fully digital with tracking. Hastings uses external handlers for some claims, which may slow resolution.
Key Differentiators
Aviva has strong bundled coverage with a sleek app
Hastings offers entry-level pricing with flexibility
Aviva appeals to multicar and digital-first users
Hastings is better for upfront cost-saving
Aviva has an edge in claim tracking and automation
Which Should You Choose? Real-World Scenarios
New Driver (Age 18-25)
First-time driver looking for affordable coverage with good support
Based on pricing for young drivers, available discounts, and customer support quality
Family with Multiple Cars
Two adults with 2-3 vehicles needing comprehensive coverage
Considering multi-car discounts, family-friendly features, and overall value
Senior Driver (65+)
Experienced driver seeking reliable coverage with excellent customer service
Based on senior-specific benefits, claims handling, and service quality
Business Vehicle
Commercial use requiring business insurance coverage
Evaluating business coverage options, commercial claims handling, and fleet discounts
UK Car Insurance Market Context
Understanding how Aviva and Hastings Direct fit within the broader UK car insurance market helps contextualize this comparison. The following statistics provide insight into current market conditions.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
Detailed Real-World Analysis
A 40-year-old couple in Surrey may receive a £320 quote from Hastings and £370 from Aviva, but Aviva’s policy includes breakdown and windscreen protection.
Our Final Recommendation
After analyzing pricing, coverage, customer service, and claims handling, here's our recommendation for different customer profiles:
Choose Aviva if:
- You prioritize comprehensive service and support
- You value additional benefits and coverage options
- You don't mind paying extra for premium service
Choose Hastings Direct if:
- You're focused on getting the best value for money
- You're comfortable with essential coverage levels
- You prefer straightforward, no-frills insurance
Important: The best choice depends on your individual circumstances, driving history, vehicle type, and personal preferences. We recommend getting quotes from both providers to compare actual prices for your specific situation.
Comparison Methodology
This comparison is based on comprehensive analysis of policy documents, customer reviews, claims data, pricing information, and independent research. We maintain editorial independence and regularly update our analysis to reflect market changes. Last updated: 7/2/2025
Making Your Decision
When comparing Aviva and Hastings Direct, consider how each provider's strengths align with your specific vehicle and driving needs. Aviva's average premium of £383.33compared to Hastings Direct's £330.00 should be weighed against the coverage and benefits each provider offers.
Key Differences:
- Premium range and pricing structure
- Coverage limits and exclusions
- Available policy types
- Claims process and service features
Next Steps:
- Review detailed policy documents
- Check for vehicle-specific coverage
- Consider your no claims bonus
- Compare excess options and limits
Remember that the best choice depends on your individual circumstances, including your vehicle's age, make, model, your driving history, and your budget. Consider getting quotes from both providers to make a fully informed decision.