The premier policy is very good. Specially for a low compulsory excess and comes with all insurances at a decent price (not the best).

However... you cannot talk to them to negotiate premium if competition is better priced.

They used an automated underwriting software that will artificially m’écrase the price significantly if you take the insurance late or only to cover you in the next 5 days...

Example: if 7 days ahead of start date is £1000; next day start will be about £1300. So avoid Hastings premier if you need a next day, couple day etc rapid cover start as they will rip you off hundreds.

From 7 days cover start delay, the pricing is normal and won’t reduce further.

The website is straightforward and allows you to add decent amount of information for an accurate quote.

Phone line seem busy.

Can do better but for me, it’s the low voluntary excess and all insurances included of the premier contract that was the decisive point.

They can do a lot better in customer experience and dealing with customers.