Hastings Direct vs LV=
Side-by-side car insurance comparison based on rates across all available 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
LV=
4.5Avg Monthly
£74/mo
Best Rate
£64/mo
Best For
Customer service
Top Discount
Online 10%
Founded
1843 · Bournemouth, England
Available In
10 locations
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Rate Comparison by Region
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Pros & Cons
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
LV=
Pros
- ✓Mutual structure — profits returned to members, not shareholders
- ✓Consistently high Defaqto ratings (4-5 Stars)
- ✓Competitive for multi-policy bundling
- ✓Trusted life insurance brand — 5-Star Defaqto
Cons
- ✗Premiums are not always the cheapest on comparison sites
- ✗Digital tools less advanced than some newer competitors
Which Should You Choose?
Hastings Direct is the cheaper option in 9 of 9 regions where both insurers operate, saving an average of £9/month. LV= is cheaper in 0 regions.
LV= has a higher average customer rating (4.5/5) compared to Hastings Direct (4/5). However, ratings can vary by region and coverage type.
Hastings Direct is generally best for budget cover, while LV= stands out for customer service. The right choice depends on your priorities — lowest price, best service, or specific discounts.
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