Direct Line vs Hastings Direct
Side-by-side car insurance comparison based on rates across all available locations
Direct Line
4.4Avg Monthly
£84/mo
Best Rate
£67/mo
Best For
Claims service
Top Discount
Online 10%
Founded
1985 · Bromley, London
Available In
11 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
Direct Line
Pros
- ✓Consistently strong claims service ratings
- ✓Comprehensive car insurance includes courtesy car as standard
- ✓Not sold on price comparison sites — direct pricing can be competitive
- ✓Home emergency cover available as standard on some policies
Cons
- ✗Not available on price comparison sites — harder to benchmark
- ✗Premiums can be higher than budget-focused competitors
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 10 of 10 regions where both insurers operate, saving an average of £15/month. Direct Line is cheaper in 0 regions.
Direct Line has a higher average customer rating (4.4/5) compared to Hastings Direct (4/5). However, ratings can vary by region and coverage type.
Direct Line is generally best for claims service, 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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