Terms & conditions


Access and use of this website ("Website") and its content is subject to the following terms and conditions of use ("Website Terms of Use"). By accessing the Website you confirm that you have read, understood and accept these Website Terms of Use.

In these Website Terms of use, "we", "us" and "our" means Hastings Insurance Services Limited and its subsidiary companies and trading styles (including Hastings Essential and Hastings Direct) and "you" and "your" means you, the Website user.

Company information

The Website is made available to you by:
Hastings Insurance Services Limited,
Conquest House,
Collington Avenue,
East Sussex,
TN39 3LW
Registered in England and Wales no. 3116518

Website Access and Availability

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.

Accuracy of Information

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.

Reliance on Information Posted

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.

Copyright and Use of Website

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.

Use of your Personal Information

In using the Website you agree to be bound by our Privacy Policy which forms part of these Website Terms of Use and you understand and agree that any personal information (including sensitive information) you provide through your use of the Website will be dealt with in accordance with our Privacy Policy. To access our Privacy Policy please click on the 'Privacy Policy' link provided at the bottom of every page of the Website.

Limitation of liability

Nothing in these Website Terms of Use restricts or excludes our liability to you for death or personal injury caused by our negligence, or to the extent liability arises as a direct result of our fraud or wilful default.

Subject to the above, and as specified in these Website Terms of Use, we shall not be liable for any losses, damages, costs, claims, expenses or liabilities whatsoever (whether direct, indirect, special, consequential or otherwise) arising out of or in connection with:

  • 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
  • your use of the Website otherwise than in accordance with these Website Terms of Use.

External Links to and from the Website

Some pages on the Website may contain hypertext links to websites not operated or maintained by us ("Third Party Websites") which we hope will be of interest to you. You are reminded that when you enter Third Party Websites by means of hypertext links from the Website you will leave the Website and will be subject to the terms and conditions and privacy policies of those Third Party Websites. Similarly, if you enter the Website by means of hypertext links from Third Party Websites you will be subject to these Website Terms of Use.

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.

Please be aware that some of the websites to which we provide links may collect personally identifiable information about You. We do not control these sites and are not responsible for the content or practices of third party websites. This privacy notice does not cover such sites.

E-mail communications

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.

Amendments to Website Terms and Conditions

From time to time we may amend or update these Website Terms of Use and/or the content of the Website without informing you in advance. The Website will always display the current version of the Website Terms and Conditions. By using, and continuing to use, the Website you acknowledge that you accept any such amendments or updates and so we recommend that you review these Website Terms of Use and the content of the Website regularly.

Governing Law and Jurisdiction

These Website Terms of Use are governed by the law of England and Wales and subject to the jurisdiction of the courts of England and Wales.

Our website services and terms of business

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.

When you access the Website these Website Terms of Use will apply in respect of our services. We recommend that you read our terms of business carefully and that you print out a copy for your records.

Policy documentation and information

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.

Our fees

We charge fees to cover the costs involved in setting up, servicing and cancelling a policy and it's important you understand them. The fees below are for our services and each fee is non-refundable.

Like other providers, we charge a fee to change a policy. This is so those customers who don't make any changes don't bear the cost for those who do, and helps us to keep policy prices down.

Type of fee Fee
Arranging your policy
Arranging new or renewing cover for each car on your policy £20
Additional fee for arranging new cover through our call centre £12.50
Arranging your home, bike or van renewal £5
Changing your policy
(As well as a fee, the cost of your insurance may change as a result of a change to your policy)
Changing your name or martial status £0
Changing your mileage £0
Changing your telephone number or email address £0
Changing your address or vehicle £25
Other changes you make not listed above £25
Changes we need to make because you've not sent us information we've asked for or what you've provided isn't correct £30
Cancelling your new or renewing policy
(If you or we cancel a policy, any fees, such as the arrangement fee, incurred before cancellation are non-refundable, as is the cost of your insurance for the number of days you've been insured.)
Cancelling within 14 days of your car policy's start date No cancellation fee
Cancelling within 14 days of your home, bike or van policy's start date £25
Cancelling 14 days or more after your car, bike or van policy's start date £45
Cancelling 14 days or more after your home policy's start date £35
Where we need to cancel your policy because you've not sent us information we've asked for or what you've provided isn't correct £45
Missing payments
Missing a direct debit payment £20
Passing your debt to a debt recovery agency £25