Churchill vs Hastings Direct
Side-by-side car insurance comparison based on rates across all available locations
Churchill
4.1Avg Monthly
£100/mo
Best Rate
£80/mo
Best For
New drivers
Top Discount
NCD protection
Founded
1989 · Bromley, London
Available In
3 locations
Hastings Direct
4Avg Monthly
£71/mo
Best Rate
£55/mo
Best For
Budget cover
Top Discount
Telematics 20%
Founded
1997 · Bexhill-on-Sea, East Sussex
Available In
11 locations
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Rate Comparison by Region
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Pros & Cons
Churchill
Pros
- ✓Available on price comparison sites for easy benchmarking
- ✓Competitive rates for younger and new drivers
- ✓Guaranteed courtesy car on comprehensive policies
- ✓Motor Legal Protection and breakdown cover add-ons available
Cons
- ✗Shares claims infrastructure with Direct Line Group — not independent
- ✗Standard cover levels can require add-ons for full protection
Hastings Direct
Pros
- ✓YouDrive telematics can save young drivers up to 20%
- ✓Competitive pricing for budget-conscious drivers
- ✓Easy online quote and management
- ✓Flexible excess options
Cons
- ✗Claims satisfaction scores are below the market leaders
- ✗Add-ons (breakdown, legal, key cover) can add up
Which Should You Choose?
Hastings Direct is the cheaper option in 3 of 3 regions where both insurers operate, saving an average of £14/month. Churchill is cheaper in 0 regions.
Churchill has a higher average customer rating (4.1/5) compared to Hastings Direct (4/5). However, ratings can vary by region and coverage type.
Churchill is generally best for new drivers, while Hastings Direct stands out for budget cover. The right choice depends on your priorities — lowest price, best service, or specific discounts.
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