How To Cancel Hastings Direct Insurance Policy

Buying an insurance policy for your valuable asset is necessary and when particularly it comes to vehicles, then a comprehensive policy is an obligation to be in compliance with the local laws and motorway authorities. I hope before you decide to cancel your Direct Insurance policy, you already have another car insurance policy which will start right after the current one ends or you suspend it before time. The process to cancel your Hastings Direct insurance policy is easy and quick, but make sure to avoid potential fines when you have another policy ready, as while informing your local DfT, they will ask for that for sure.

There have been many different queries on our page where people have been asking to cancel their insurance policies. Many have cited delay in the claim as the reason for that whereas many others have also complained that companies never provide any sort of bonus or discounts on renewals on their motor policies if they haven’t taken any claim. If your car insurance is bundled with your home insurance, make sure you reach out to Hastings customer support or your particular agent and understand the circumstances if you cancel one policy from the bundle package.

This guide will help you cancel your Hasting Direct insurance by providing you with three simple and easy methods that you can apply and get the policy canceled. There are a few prerequisites, terms, and policies from Hastings which I have listed below, make sure you understand them and then begin to cancel. To avoid any lapse in between the policies and to avoid fines, you must buy a new policy and for that sake, I have a few options for you mentioned towards the end of this guide.

Can I Cancel Hastings Direct Insurance Policy Anytime?

Yes, you can cancel your Hastings Direct insurance policy, but I won’t say that you can cancel anytime. To cancel before your policy ends, make sure you have another one ready to avoid lapse and understand the below important factors before you decide to cancel;

• Like most of car insurance companies, Hastings doesn’t even provide you any refund when you cancel your car insurance if you’ve made a claim. But you’ll still have to pay a cancellation fee. If you are on a monthly rolling plan for your car insurance, you’ll then have to pay up for the rest of the policy when you cancel. Again, these are the standards in insurance policies.
• You can get a breakdown cover with Hastings through RAC to understand the claims and the cancellation fee. It’s always included with all Hastings Premier policies. (Along with motor legal expenses cover.) 
• If you or Hastings itself cancel a policy, any fees, like 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.
• If you cancel before your policy’s start date, or within 14 days of your policy’s start date which is known as the cooling-off period then the fee is £0.
• If you cancel 14 days or more after your car, bike or van policy’s start date then the fee will be £45.
• If you cancel 14 days or more after your home policy’s start date then the fee will be£35.
• If Hastings needs to cancel your policy because you’ve not sent them the information they’ve asked for or what you’ve provided isn’t correct, then in this scenario the fee will be £45. 
• If you or we cancel your YouDrive policy after you receive a cancellation or price-change notice due to your driving data then the fee is £45.

Also, read How To Cancel A Wowcher Order | Follow These Steps

How To Cancel Hastings Direct Insurance Policy?

You can cancel your Hastings Direct insurance policy by applying three different methods. You can call them, email them, or even mail them if you decide quite early and have time in hand. I have below explained every method separately in simple steps, understand and apply rightly to avoid complications.

How To Cancel Your Hastings Direct Insurance Policy by Calling?

Canceling your Hastings Direct insurance policy by phone is a simple and direct method that would allow you to speak with a customer service representative to handle your request. Below is a simple, step-by-step guide to ensure you get the knack of the whole process thoroughly and can navigate it smoothly;

1. Prepare for the Call

Before you start to call Hastings Direct to request for your insurance policy cancellation, make sure all necessary information and documents are readily available, as this will help make the process more efficient and by providing accurate details to the customer service representative.

What You Need:

• Policy Number: This is important as it identifies your particular policy. You can easily find it on your insurance documents or online account.
• Personal Information: Make sure you know the full name associated with policy, date of birth, and contact details for identity verification.
• Details of the Policy: Go through the policy to get a general understanding of your policy, including its type (car, home, etc.), start date, and any relevant coverage details.
• Reason for Cancellation: It’s always helpful to have a clear reason, as this may affect any potential refunds or fees.

2. Call Hastings Direct Customer Service

Dial the customer service number provided by Hastings Direct. Below is the contact information ;

Customer Service Phone Number;

• Phone Number: 0333 321 9801
• Business Hours:
  • Monday to Friday: 8:00 am – 7:00 pm
  • Saturday: 9:00 am – 1:00 pm
• Dial the Number: Use your registered phone to dial the customer service number. 

3. Talk to a Customer Service Representative

Once you are connected, you’ll be greeted by a customer service representative. 

Introduce Yourself

• Provide Your Information: Start with your name, policy number, and any other verification details they request.
• State Your Request: Clearly mention that you need to cancel your insurance policy.

Answer Questions:

• Verify Your Identity: The representative will ask you questions as this matter is case sensitive, and will confirm your identity and make sure that you’re authorized to make changes to the policy.
• Reason for Cancellation: Explain why you want to cancel the policy and as per norms from the laws, you could be asked to provide details for your new policy, so that there is no lapse. Make sure you choose your reason accordingly like finding a better rate, switching insurance providers, or no longer needing coverage.

4. Confirm Cancellation Details

The representative will guide you through the whole process and provide information on what would happen next. Make sure you confirm;

Cancellation Effective Date

• Ask About the Date: Confirm the date when the cancellation will take effect, this date will play a crucial role in the start date of the new policy. You may choose the effective date, but this will also depend on the policy terms.

Cancellation Fees

• Inquire About Fees: Ask about any cancellation fees and how they will be calculated. Hastings Direct charges a fee, but you will understand your scenario in particular especially if you’re canceling before the policy term ends.

Refund Process

• Understand Refunds: If eligible, inquire about the refund process. The representative will let you know how and when you can expect to receive any refunds.

Receiving Confirmation

• Receive Confirmation: Make sure that you have received a confirmation of the cancellation. The representative must provide a reference number or confirmation number for your cancellation request, save this, and highlight the date, this will be important when you switch your insurer.

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How To Cancel Your Hastings Direct Insurance Policy by Email?

To cancel your Hastings Direct insurance policy by email is another convenient method that allows you to request cancellation in writing. This process helps if you prefer not to call or need a written record of your cancellation request. Below is a step-by-step guide on how to cancel your policy via email;

1. Prepare Your Cancellation Request

Collect all the necessary information to include in your cancellation request. 

Information to Include

• Policy Number: This is essential for identifying your specific policy. 
• Personal Details: Provide your full name, address, and date of birth for verification purposes.
• Reason for Cancellation: Stating your reason for cancellation can help with any potential refunds.
• Effective Date: Specify when you want the cancellation to take effect, if possible.

2. Compose Your Cancellation Email

Craft a clear email to Hastings Direct customer service. 

3. Send Your Email

Send your cancellation request to Hastings Direct’s customer service email address:

• Email Address: customerrelations@hastingsdirect.com

4. Follow Up on Your Request

If you do not receive any revert to your email within a few days, consider following up.

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How to Cancel Your Hastings Direct Insurance Policy by Mail?

If you have enough time in hand to adopt the longer route then canceling your Hastings Direct insurance policy via mail is always suggested as a formal approach by which you can send a written request to their postal address. Below is a comprehensive guide on this process broken down in simple step;

Required Information:

• Policy Number: Crucial for identifying your policy. 
• Personal Details: Include your full name, address, and date of birth for verification.
• Cancellation Reason: Helps provide context and assist in the expedition of the process.
• Desired Cancellation Date: Mention exact date when you want the cancellation.

2. Write Your Cancellation Letter and Send Your Cancellation Letter

Mail your cancellation request to Hastings Direct’s customer relations department. Make sure you are using the correct postal address and try using a tracked mailing service to confirm receipt.

Postal Address:

Hastings Direct
Conquest House
Collington Avenue
Bexhill-on-Sea
East Sussex
TN39 3LW
UK

Mailing Tips:

• Use Trackable Postage: As this is an offline process, I would suggest you opt for a tracked or recorded delivery service which would ensure that your letter has been received and to have proof of mailing.
• Keep a Copy: Retain a copy of your letter for any future correspondence.

4. Await Confirmation

After your letter is mailed successfully, wait for a response from Hastings Direct and in case you do not receive a response which is quite common in offline requests, make sure to follow to confirm that your cancellation request has been processed.

Also, read How To Cancel Pearson Plus Subscription

Alternatives To Hastings Direct Insurance Policy

You definitely need alternatives to Hastings Direct for your insurance needs, there are various reputable insurance providers to consider and each provides a range of policies, including car, home, and other types of insurance. Below are some I have shortlisted for you;

Admiral

• Overview: Admiral provides a range of insurance products which includes car, home, and travel insurance.
• Features: Famous for its competitive prices and multi-car discounts they also offer a user-friendly online platform for managing policies.

Aviva

• Overview: Aviva is a major insurance provider providing car, home, life, and health insurance.
• Features: Offer comprehensive cover along with several add-ons and discounts for bundling policies. Known for their excellent customer service.

Direct Line

• Overview: Direct Line provides a vast range of insurance products which includes car, home, and pet insurance.
• Features: Offers 24/7 customer support and a vast variety of cover options. It mostly has competitive rates for direct customers.

Churchill

• Overview: Churchill is known for their car and home insurance policies, with so many additional options for travel and pet insurance.
• Features: Provides a wide range of coverage options and discounts for several circumstances, like multi-car policies.

Conclusion

You must have a comprehensive policy for your car and if there are some reasons for you to cancel the current one, ensure that the new one is ready. Apart from circumstances where your car will be halted for long and you are trying save money on that period, then it’s’ good idea to cancel but if there is no any considerable difference in the refund and the cancellation fee then experts suggest no to cancel, as this will cover the theft cases if you are away and your car is unattended. 

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