Terms & Conditions
- Company information
- Website Access and Availability
- Accuracy of Information
- Reliance on Information Posted
- Copyright and Use of Website
- Use of your Personal Information
- Limitation of liability
- External Links to and from the Website
- E-mail communications
- Amendments to Website Terms and Conditions
- Governing Law and Jurisdiction
- Our website services and terms of business
- Policy documentation and information
- What you have to pay for our services?
The Website is made available to you by Hastings Insurance Services Limited, having its registered office at Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW (registered in England and Wales no. 3116518).
The Website, and the information and services provided on or through the Website, are directed at those who can access the Website from the United Kingdom and are intended for use solely by residents of United Kingdom. Any online services and information we provide to you at your request will be in respect of insurance policies, which are subject to English law. You must not use the Website or its content in countries where you are restricted or prohibited from doing so by local laws, regulations, codes and/or customs.
The Website is provided on an "as is" and "as available" basis and, whilst we have taken care in the preparation of the Website, we do not warrant that you will always have access to the Website (in whole or in part) or that access to the Website will be uninterrupted or error-free at all times. In addition, we do not warrant that your use of the Website or any material downloaded from it will not cause damage to any property, including, but not limited to, loss of data or computer virus infection.
Whilst we have taken all reasonable steps to ensure that the information published on the Website is accurate and up to date, we give no warranty and make no representation regarding the reliability, accuracy and completeness of the information on the Website and we accept no liability for any errors or omissions.
Certain information on the Website is provided by third parties and you acknowledge and agree that neither we nor our suppliers have any control over the accuracy or completeness of such third party information.
Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
You acknowledge that the copyright in the Website and its entire content (including, but not limited to, design, graphical, auditory and text arrangements, database rights and other intellectual property rights) belongs to Hastings Insurance Services Limited or their related, affiliated or subsidiary companies. You may only use the Website for your own private non-professional use and not for commercial purposes. You may display, retrieve, print, copy or download the content of the Website in whole or in part for your personal use only. You may not otherwise transfer, copy, distribute, upload, transmit, modify, publish or reproduce the content of the Website in whole or in part in any material form without prior written consent from Hastings Insurance Services Limited or their related, affiliated or subsidiary companies.
Entry to, or interference with, the Website, with intent to corrupt, damage or deny service from the Website, or for any other commercial benefit, shall be taken seriously and we shall take such action as is necessary to protect the Website from any such activities in order to protect our intellectual property rights.
The names Hastings Insurance Services Limited, Hastings essential, Hastings Direct and any other images, logos, icons and trademarks of Hastings Insurance Services Limited featured on the Website are the proprietary marks of Hastings Insurance Services Limited. The names, images, logos and icons of third party companies, products or services featured on the Website are or may be the trademarks of their respective owners.
Unless otherwise agreed in writing with us, nothing on the Website shall be deemed to confer on you any licence or right to use any featured name, image, logo or trademark and any such use may constitute an infringement of our, or a relevant third party's, rights as owner.
- the content of the Website
- any unavailability of the Website or certain areas of the Website
- any amendments or changes to the Website or its content
Hypertext links to Third Party Websites are provided for your convenience only. You acknowledge and agree that we do not endorse, and are not responsible in any way for the availability of, information or content displayed on, or software downloaded from, such Third Party Websites (including, without limitation, any advertisements about investment products and services) and we do not endorse or make any recommendation about products and services that are advertised or promoted on such Third Party Websites. We are not liable for any loss or damage which may arise from your use of any Third Party Websites.
Messages sent over the internet cannot be guaranteed to be completely secure and may be subject to possible interception by third parties. For these reasons, please do not use email to send us communications that contain confidential information. We are not responsible for any messages sent over the internet and will not be liable to you or anyone else for any loss suffered in connection with any message sent over the internet. Please note that we are unable to provide insurance quotes and cover via email.
We offer an online quotation service and an online cover service by means of the Website.
The range of insurance products featured on the Website are arranged and administered by, or on behalf of, Hastings Insurance Services Limited. We reserve the right to change without notice the insurer(s) used in connection with the Website.
If you wish to make use of one or more of our online services you will be taken through to the secure area of the Website (recognisable by 'https:' in the address bar of your browser) where you will have online access to documentation and information in respect of the policies we arrange and administer through the Website, including key policy information, policy terms and conditions and other important legal information.
Before applying for an online quotation or online cover you should read this documentation and information carefully to ensure that you understand the contents.
You may wish to print out this information and documentation for your records, although, should you choose to take out online cover through the Website, we will send you all documentation relating to your policy within 7 working days.
You may also find it helpful to consult our list of FAQs, which you can access from the 'FAQs' link on the Website's homepage.
The figures below are the fees for our services only. Your insurer may also apply a premium for any ammendments to your policy.
Each fee is payable at the time of the transaction to which it relates.
|Arranging your new policy||£20|
|Additional charges are made for:|
|Call centre arrangement fee||£12.50|
|Arranging your car renewal||£20|
|Arranging your bike renewal||£5|
|Amendments to your policy made by you|
|Add / amend an accident or convictions||£0|
|Amend vehicle security||£0|
|Amend day time / over night parking||£0|
|Amend name / marital status||£0|
|Correct an error by one of our advisers||£0|
|Adding / amending financial interest (home)||£0|
|Change of registration number||£20|
|All other amendments not listed above||£35|
|Amendment to your policy made by our Business Administration Team|
|As part of our new business process our Business Administration Team will check your information and may have to make amendments to your policy to correct the information we hold. Any amendments made as a result of these checks will result in payment of our administration fee.||£35|
|Cancellation (after 14 days) if you take up alternative cover from Hastings Direct||£0|
|Cancellation (within 14 days)||£25|
|Cancellation home / bike (after 14 days)||£35|
|Cancellation car / van (after 14 days)||£55|
|Sent via e-mail or fax||£0|
|Resent by post due to not being received within 6 weeks of the start of the policy||£0|
|Sent via post||£20|
|Method of payment charge|
|Payments by debit card||0%|
|Payments by credit card||1.25%|
If we give a discount on our fees and/or the insurer's premium at the inception of your policy, and the policy is subsequently cancelled, we shall be entitled to reduce the amount of any refund to enable us to reclaim the unused portion of the discount.