Hastings Direct Premier Car Insurance – A Comprehensive Overview

Hastings Direct is one of the most popular insurers in the UK and offers comprehensive car insurance. The Premier Car Insurance plan is their most comprehensive insurance plan, providing a range of protection and access to a range of benefits. In this article we will take a comprehensive look at the Hastings Direct Premier Car Insurance and discuss the features, benefits and drawbacks of this plan.

Features of Hastings Direct Premier Car Insurance

The Hastings Direct Premier Car Insurance plan has a range of features that make it an attractive option for those looking for comprehensive coverage. The main features of the plan include:

A choice of three levels of cover – Comprehensive, Third Party Fire and Theft, and Third Party Only.
Cover for personal injury and legal expenses.
Cover for windscreen repairs, courtesy car and breakdown cover.
The option to add a range of optional extras such as protected no claims bonus, personal accident cover and key cover.
A range of discounts for customers who meet certain criteria.

Benefits of Hastings Direct Premier Car Insurance

The Hastings Direct Premier Car Insurance plan provides a range of benefits that make it an attractive option for those looking for comprehensive coverage. The main benefits of the plan include:

Competitive premiums – the premiums for the Premier Car Insurance plan are competitive when compared to other insurers.
24-hour claims helpline – customers have access to a 24-hour helpline for assistance with claims.
Cover for a range of events – the plan covers a range of events such as accidental damage, fire and theft, and personal injury.
Discounts for customers who meet certain criteria – customers who meet certain criteria are eligible for a range of discounts.
Flexible payment options – customers have the option to pay their premiums in monthly instalments.

Drawbacks of Hastings Direct Premier Car Insurance

The Hastings Direct Premier Car Insurance plan does have some drawbacks that should be kept in mind. The main drawbacks of the plan include:

Limited cover for certain events – the plan does not cover some events such as malicious damage and vandalism.
Restrictions on drivers – only drivers aged 25 and over are eligible for the plan.
Excess fees – customers are required to pay excess fees if they make a claim.
Premiums can be expensive – the premiums for the Premier Car Insurance plan can be expensive depending on the level of cover chosen.
Optional extras can be expensive – the optional extras available can be expensive and can add significantly to the cost of the plan.

Conclusion

The Hastings Direct Premier Car Insurance plan is a comprehensive insurance plan that provides a range of features and benefits. However, it is important to keep in mind the drawbacks of the plan and to compare it with other insurers before making a decision. By taking the time to carefully consider the features, benefits and drawbacks of the plan, customers can make an informed decision that best suits their needs.