Car insurance
that's personal
to you

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

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

	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 if your score does dip 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...
	If your car’s stolen, the thieves aren’t getting away that easily, as your SmartMiles box is also a theft tracking device.
	Give us a call after reporting a theft to the police, and we’ll start the trace.
	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 if your score does dip 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...
	If your car’s stolen, the thieves aren’t getting away that easily, as your SmartMiles box is also a theft tracking device.
	Give us a call after reporting a theft to the police, and we’ll start the trace.
	Cool, right?

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Car insurance that's personal to you

What's included?

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

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?