Insurance Premiums

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Are you wondering why insurance premiums can be so much cheaper from one insurance provider to another?

Unveiling the True Value of Tailored Insurance Packages at Hastings Insurance

Have you ever found yourself puzzled by the vast differences in insurance premiums between companies? It’s a common conundrum that many individuals face when shopping for insurance. The answer lies in the fine print and the level of coverage offered by each provider. At Hastings Insurance, we believe in transparency and tailoring insurance packages to meet your unique needs, ensuring you get the coverage you want without any surprises.

Understanding the Discrepancy: Basic vs. Comprehensive Coverage

One of the primary reasons for the disparity in insurance premiums is the level of coverage offered. Some companies provide seemingly unbeatable prices, but upon closer inspection, you might find that these policies offer only the most basic coverage. It’s essential to recognise that not all insurance policies are created equal, and cheaper premiums often come at the cost of limited protection.

At Hastings Insurance, we take a different approach. We understand that every individual has unique insurance needs, and a one-size-fits-all solution simply won’t cut it. That’s why our insurance providers offer tailored insurance packages that allow you to customise your coverage, ensuring you’re protected where it matters most.

Tailor-Made Packages: Your Insurance, Your Way

Our commitment to transparency means we provide you with a detailed breakdown of what’s included in your insurance policy and we are more than happy to explain this in detail to you. Unlike some companies that offer generic coverage with hidden exclusions, we want you to make informed decisions about your protection. Here’s an example of the inclusions that may be added to a car insurance policy with Hastings Insurance:

  1. Fire and Theft Cover: In addition to accidental damage, this coverage protects your vehicle against fire damage and theft.
  2. Accidental Damage Cover: In addition to “Fire and Theft Cover” this covers the cost of repairing or replacing your own vehicle in the event of an accident, regardless of fault.
  3. Windscreen Cover: This covers the cost of repairing or replacing a damaged windscreen, without affecting your no-claims bonus.
  4. Breakdown Assistance: Provides roadside assistance or towing services in the event of a breakdown, ensuring you’re not left stranded.
  5. Driving Other Cars (DOC) Cover: Extends your coverage to other private motor vehicles that you have permission to drive, on a third-party basis.
  6. No Claims Bonus (NCB) Protection: A no claims bonus is a discount that you earn for each claim-free year, and it does significantly reduce your insurance premium. NCB Protection helps you maintain this bonus or part of it even if you need to make a claim.

By tailoring your insurance policy with these and other options, you have the flexibility to choose the coverage that aligns with your lifestyle and preferences. Our goal is to empower you with choices, ensuring that your insurance reflects your unique needs and concerns.

Invest in Your Peace of Mind with Hastings Insurance

While it might be tempting to opt for the cheapest insurance premium available, it’s crucial to consider what you’re sacrificing in terms of coverage. At Hastings Insurance, we believe in providing value through transparency, customisation, and comprehensive protection. Your peace of mind is our priority, and with our tailor-made insurance packages, you can rest easy knowing you’re covered exactly where it matters most.

Don’t settle for generic coverage—choose Hastings Insurance and experience the difference of personalised protection. Contact us today to discuss your insurance needs and discover the peace of mind that comes with a policy designed just for you.

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