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.
