Car insurance
that's personal
to you

We reward safe drivers

Are you a safe driver? We know actions speak louder than words, so we’ll give you the chance to prove you should be paying less for your insurance.

With SmartMiles you’ll get a black box fitted to your car that records how safe you drive, scoring you out of 100. You can earn no claims discount plus an extra reward for driving safely: Last year, on average, customers with a score of 60+ saved over £350 of insurer premium on their first renewal!

Keep an eye on your driver score anytime, anywhere by using your online dashboard or our mobile app.

Here's how it works

You’ll get a smart box installed in your car. Don’t worry, all costs are included.

Your box records data about your driving style, giving you a score out of 100.

You’ll get a personal renewal price based on your driver score.

You’ll get a smart box installed in your car. Don’t worry, all costs are included.

Your box records data about your driving style, giving you a score out of 100.

You’ll get a personal renewal price based on your driver score.

More about SmartMiles

What's included?

Here's some of the benefits our comprehensive cover includes:

Courtesy car

Vandalism and uninsured driver cover protecting your no claims discount

Windscreen repair or replacement

Legal expenses up to £100,000

Personal accident cover

Contents cover up to £300

Child seat cover

Theft recovery service

Or, just cover the basics with our third party, fire and theft insurance.

Terms and conditions apply.

For full details of your cover, please read our policy booklet

Join over 70,000 smart drivers

Great value for money

I have never had any problem since the start of my policy 4 years ago! Great value for money and every year my insurance has gone down. Amazing!

Katie

Amazing value for money

Easy to deal with and amazing value for money - and a friendly voice at the end of the phone!

Alice

	Hastings Direct SmartMiles is more than your usual insurance policy.
	By installing a SmartMiles box in your car, we use GPS satellites to help analyse your personal driving style.
	The SmartMiles box
	The box fits discreetly out of the way and won’t affect your car’s performance or impact your warranty.
	We then report your stats back to you via an online dashboard and smartphone app.
	Scoring your driving
	By measuring your speed, braking, acceleration and the time of day you drive, we'll calculate you a SmartMiles driver rating out of 100.
	We won't charge you a penalty for driving at night. However driving between 10pm and 5am will lower your driver rating, so we recommend you don't do this regularly.
	Driving safely is important
	We want to encourage safe driving, so take it easy out there.
	We ask that you keep your driver rating above 40.
	Keep your score above 40
	If your average driver rating is below 40, this tells us you aren't driving as safely as you could.
	Scoring under 40 or speeding excessively will mean we have to cancel your policy, or not offer you a renewal.
	But this shouldn't be a problem, last year more than 87% of our customers were scoring above 40.
	Plus if your score dips below 40, we'll let you know so you have time to improve.
	Hints and tips
	Boost your score by driving safely.
	To help you get the best score you can, we'll give you hints, tips and flags along the way - all part of the service.
	Now for the really good part...
	Score above 50 to unlock additional renewal discounts with up to 30% discount offered to the best drivers...
	You can earn no claims discount too.
	Plus if your car's stolen, the thieves aren't getting away that easily.
	Give us a call after reporting a theft to the police, and we'll start the trace.
	In fact, 70% of cars stolen from our customers are successfully recovered.
	Cool, right?

	Hastings Direct SmartMiles is more than your usual insurance policy.
	By installing a SmartMiles box in your car, we use GPS satellites to help analyse your personal driving style.
	The SmartMiles box
	The box fits discreetly out of the way and won’t affect your car’s performance or impact your warranty.
	We then report your stats back to you via an online dashboard and smartphone app.
	Scoring your driving
	By measuring your speed, braking, acceleration and the time of day you drive, we'll calculate you a SmartMiles driver rating out of 100.
	We won't charge you a penalty for driving at night. However driving between 10pm and 5am will lower your driver rating, so we recommend you don't do this regularly.
	Driving safely is important
	We want to encourage safe driving, so take it easy out there.
	We ask that you keep your driver rating above 40.
	Keep your score above 40
	If your average driver rating is below 40, this tells us you aren't driving as safely as you could.
	Scoring under 40 or speeding excessively will mean we have to cancel your policy, or not offer you a renewal.
	But this shouldn't be a problem, last year more than 87% of our customers were scoring above 40.
	Plus if your score dips below 40, we'll let you know so you have time to improve.
	Hints and tips
	Boost your score by driving safely.
	To help you get the best score you can, we'll give you hints, tips and flags along the way - all part of the service.
	Now for the really good part...
	Score above 50 to unlock additional renewal discounts with up to 30% discount offered to the best drivers...
	You can earn no claims discount too.
	Plus if your car's stolen, the thieves aren't getting away that easily.
	Give us a call after reporting a theft to the police, and we'll start the trace.
	In fact, 70% of cars stolen from our customers are successfully recovered.
	Cool, right?

Page

Car insurance that's personal to you

We reward safe drivers

Here's how it works

What's included?

Here's some of the benefits our comprehensive cover includes:

Join over 70,000 smart drivers

How does SmartMiles work?

Hastings Direct SmartMiles is more than your usual insurance policy.

The SmartMiles box

Scoring your driving

Driving safely is important

Keep your score above 40

Hints and tips

Now for the really good part...

Cool, right?