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Hastings Direct Smart Miles Car Insurance
Smart Miles is part of the Hastings Direct brand, which is itself a trading name of Hastings Insurance Services. The company is based in Bexhill-on-Sea, East Sussex and offers car, van, bike, and home insurance. Hastings Direct was established in 1997 but it wasn’t until 2012 that Smart Miles was created. It was introduced in an attempt to help younger and less experienced drivers get more affordable insurance by encouraging safe driving. Smart Miles is particularly targeted at this group as they are generally deemed ‘higher risk’ and often face higher insurance costs. Smart Miles is a telematics policy that rewards safer drivers with cheaper insurance premiums.
Hastings Smart Miles customers have a black box fitted to their vehicle which monitors their driving habits. From the data collected, safer drivers may be able to benefit from less expensive car insurance. Drivers can see their rating via a Smart Miles app, which may also offer some tips on how to improve their score. As well as any discounts for safer driving, individuals can also earn a no claims discount with this policy.
Comprehensive cover and third party, fire and theft cover are available with Smart Miles car insurance. Depending on which policy drivers take out, they may benefit from a range of features such as: use of a courtesy car, windscreen repair, contents cover, personal accident cover, and legal expenses. Smart Miles customers can also purchase some optional extras, should they want additional cover. These may include different levels of breakdown cover, key cover, and personal accident cover.
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