Member Since: 15 Jul 2006
Location: Lost in Space
Posts: 456
Hastings Direct
Have just receved a quote from Hastings Direct.com.For full comp ,protected no claims bonus, first £200 for accident, first £60 for windscreen +other glass ,parked on street.Landrover alarm +imobiliser + tracker system.
Have been quoted £315. for a 38 year old, clean license .
Has anyone had any experiance with Hastings Direct
Thanks
MattDiscovery 4 SDV6 XS Firenze Red Ebony Leather
Club DuraTrac BLACK POWDER COATED 19 hse wheels
Disco 3 gone but not forgotten
I work in the insurance and finance industry as a troubleshooter, specialising in complaint processes and regulation, so get to hear the odd apocryphal tale from time to time. Hastings Direct haven't always had the best reputation for claims handling. I know of instances where they have attempted to get out of paying out because they felt the claim was lodged too late (3 months) where no such limitation is possible in law and where in at least once case the claim was actually notified promptly but lost in their admin.
As with all things, you get what you pay for. There is value to be had in shopping around, but in this case you may find you get cover that satisfies the legal definition of insurance but not necessarily the customer's definition when it comes to claiming.I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
17th Apr 2007 3:44 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 72787
Just renewing my 2006 TDV6 HSE, £234 from Privilege is the best so far by a long chalk.
Del, you may want to check the T&Cs. Privilege have huge excesses and their headline quotes always include further voluntary excesses. They also skimp on what I consider to be very necessary extras on their headline numbers
I'm 38, live in a low risk postcode, have a clean licence, have a low-risk occupation and 8 years no claims. Their headline quote for me was £360 and on first reading it appeared to have a £250 excess. When you check, it is actually a £250 voluntary excess, with a compulsory excess of £400, bringing the total excess to £650! If you remove the voluntary excess so you only pay the first £400 ("only" being somewhat subjective) the quote rises to £430. Add in protected no claims and a guaranteed hire car and it rises to £520. My existing insurer covers me for all of these things with a £250 compulsory and no voluntary excess for £470.
Suddenly the original quote from Privilege is not such great value for money.
I tend to look at what cover you actually get for your money and am happy to pay a bit more than the cheapest quote to get cover that will be an asset in the event of making a claim. If you are happy to go with the cheapest cover, be aware that it may prove more expensive if you do have an accident.I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
17th Apr 2007 4:15 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 72787
Will have a look at the excesses now. Thanks.
Just had a look. With £250 Voluntary Excess there is an additional £150 Compulsory Excess so no as bad as I thought!
Voluntary Excess £0 then total excesses are £150, cost of policy is £286
Voluntary Excess £150 then total excesses are £300, cost of policy is £244
Voluntary Excess £250 then total excesses are £400, cost of policy is £234
Last edited by DSL on 17th Apr 2007 4:32 pm. Edited 1 time in total
I highly rate the cover offered by Liverpool Victoria. Not the cheapest, but very high level of cover and recommended by pretty much every independent study into motor insurance in the last couple of years. If you want the cheapest they may not appear to tick the box, but they are usually reasonably competitive with high levels of cover.
I must declare a limited interest as LV are a current client of mine. I've been working with them on and off for the last couple of years reviewing their processes and interactions with their third party service providers as well as helping project manage a new complaint management software rollout. They aren't perfect, but I've yet to find an insurer that is. Where they do win is on the level of cover provided.
Things to check with any insurer are:
Compulsory Excess
Voluntary Excess
Hire Care terms (length of hire, level of hire car)
Is legal expenses cover needed/included?
Protected No Claims needed/included?
Hope this helps.
N DI know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
17th Apr 2007 4:28 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 72787
Cheers, will look at LV.
17th Apr 2007 4:34 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50934
Don't forget off-road cover if using more than green lanes 21 year LR veteran > D2 GS 2003 > D3 S 2006 > D3 HSE 2009 > D4 HSE 2013 > D4 HSE 2015 > D5 HSE 2018 > DS HSE R-Dynamic P300e 2021
17th Apr 2007 4:35 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 72787
This is for my car, I have Mrs DSL's car for getting muddy & scratched!
17th Apr 2007 4:36 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50934
I hope you car isn't the one in the avatar 21 year LR veteran > D2 GS 2003 > D3 S 2006 > D3 HSE 2009 > D4 HSE 2013 > D4 HSE 2015 > D5 HSE 2018 > DS HSE R-Dynamic P300e 2021
If it gets damaged at somewhere like Boughrood it was actually on a nearby greenlane I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
17th Apr 2007 4:46 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50934
Oh what a tangled web we weave..... 21 year LR veteran > D2 GS 2003 > D3 S 2006 > D3 HSE 2009 > D4 HSE 2013 > D4 HSE 2015 > D5 HSE 2018 > DS HSE R-Dynamic P300e 2021
17th Apr 2007 5:01 pm
Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
Liverpool Victoria? Don't you mean LV= great name eh?DS3 TDV6 HSE - Silver with Alpaca (old one) Gone
DS3 TDV6 HSE- Silver with Alpaca (new one) Gone
D4 HSE Lux - Montalcino Red Gone
Porsche Cayenne V8 Diesel S
LV= depends on whether you are dealing with the group, the Life and Investment side, the bank or the general insurance division. Rebrand only applies to General (house and motor) at present. I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
17th Apr 2007 5:21 pm
blue meanie D3 Decade
Member Since: 04 Aug 2005
Location: Newbury
Posts: 6861
I had one of those letters telling me of the 'new exciting' LV livery, looked like one of the old electricity company logos from the 70/80's to me but I can't remember which one it was now and theeeeennn......???
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