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Understanding the Hastings Direct Renewal Cooling-Off Period

Like any insurance company, Hastings Direct has a cooling-off period for policy renewals. This article will help you understand the renewal cooling-off period, your rights during this time, and the process for canceling or changing your policy within this timeframe.

What is the Renewal Cooling-Off Period?

The renewal cooling-off period is a 14-day window that begins on the day you receive your renewed policy documents from Hastings Direct. During this time, you have the right to review your policy, ensure it meets your needs, and make any necessary changes or cancel the policy without incurring excessive charges.

Canceling Your Policy During the Cooling-Off Period

If you decide to cancel your Hastings Direct policy within the 14-day cooling-off period, you will receive a refund for the unused portion of your premium, minus a small administration fee. To cancel your policy, follow these steps:

  1. Contact Hastings Direct through live chat
  2. Contact Hastings Direct through email
  3. Provide necessary details: Be prepared to provide your policy number, personal information, and the reason for canceling your policy.
  4. Calculate your refund: Hastings Direct will calculate your refund based on the number of unused days on your policy and deduct a small administration fee.

Please note that if you have made a claim during the cooling-off period, you will not be eligible for a refund.


The Hastings Direct renewal cooling-off period is designed to provide customers with an opportunity to review their policy and ensure it meets their needs. By understanding your rights and the steps to take during this period, you can make informed decisions about your insurance coverage. Remember, you have 14 days from the receipt of your renewed policy documents to make changes or cancel the policy without incurring significant charges.

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