Hastings Direct vs Policy Expert
Compare car insurance features, coverage, and pricing between Hastings Direct and Policy Expertto find the best protection for your vehicle.
Company Information Comparison
| Feature | Hastings Direct | Policy Expert |
|---|---|---|
| Established | 1997 | 2001 |
| Underwriter | Advantage Insurance Company Limited | U K Insurance Limited |
| Market Position | Mid-range | Mid-range |
| Customer Service Hours | 24/7 | Mon–Fri: 9am–5pm |
| Claims Satisfaction | 4.2 | 3.9 |
| Financial Strength | A– | A |
| Mobile App Rating | 4.1 | 3.7 |
Policy Features Comparison
| Feature | Hastings Direct | Policy Expert |
|---|---|---|
No Claims Discount Years protected | Up to 5 years | Up to 2 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 2 years | Up to 1 year |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£250.00
Hastings Direct
£250.00
Policy Expert
Maximum Cover
£5,000,000
Hastings Direct
£5,000,000
Policy Expert
Total Policies
3
Hastings Direct
3
Policy Expert
Comprehensive Cover
Full Coverage
Hastings Direct
Full Coverage
Policy Expert
Premium Analysis
Features Comparison
Policy Type Distribution
Hastings Direct
Comprehensive
1
Third Party Fire & Theft
1
Policy Expert
Comprehensive
1
Third Party Fire & Theft
1
Making Your Decision
When comparing Hastings Direct and Policy Expert, consider how each provider's strengths align with your specific vehicle and driving needs. Hastings Direct's average premium of £330.00compared to Policy Expert's £350.00 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.