Hastings Direct vs Sterling
Compare car insurance features, coverage, and pricing between Hastings Direct and Sterlingto find the best protection for your vehicle.
Company Information Comparison
| Feature | Hastings Direct | Sterling |
|---|---|---|
| Established | 1997 | 2021 |
| Underwriter | Advantage Insurance Company Limited | Adrian Flux Services Limited |
| Market Position | Mid-range | Budget |
| Customer Service Hours | 24/7 | Mon–Fri: 9am–5pm |
| Claims Satisfaction | 4.2 | 4.3 |
| Financial Strength | A– | A |
| Mobile App Rating | 4.1 | 4.2 |
Policy Features Comparison
| Feature | Hastings Direct | Sterling |
|---|---|---|
No Claims Discount Years protected | Up to 5 years | Up to 0 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 2 years | Up to 0 years |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£250.00
Hastings Direct
£290.00
Sterling
Maximum Cover
£5,000,000
Hastings Direct
£5,000,000
Sterling
Total Policies
3
Hastings Direct
3
Sterling
Comprehensive Cover
Full Coverage
Hastings Direct
Full Coverage
Sterling
Premium Analysis
Features Comparison
Policy Type Distribution
Hastings Direct
Comprehensive
1
Third Party Fire & Theft
1
Sterling
Comprehensive
1
Third Party Fire & Theft
1
Making Your Decision
When comparing Hastings Direct and Sterling, consider how each provider's strengths align with your specific vehicle and driving needs. Hastings Direct's average premium of £330.00compared to Sterling's £383.33 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.