Cancellation service #1 in New Zealand
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Hastings Direct service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancel Hastings Direct: Easy Method
What is Hastings Direct
Overview
Hastings Direct is an insurance provider that primarily operates in the United Kingdom, offering motor, home, and other personal insurance products.
Where it operates
Although the brand is known in the UK, there is no evidence of active New Zealand pricing or local branches for 2024/2025.
If you hold a Hastings Direct policy in New Zealand, it is likely issued under UK terms or via an international arrangement; check your policy documents for jurisdiction details.
How to cancel Hastings Direct
Methods to cancel
- Contact Hastings Direct directly by phone or via the app/MyAccount to request cancellation.
- You may also opt out of auto-renewal in the app or MyAccount before renewal quote stage.
- If you cannot cancel online, call customer service to complete the process.
Step-by-step cancellation guide
- Locate your policy number and policy start date from your policy documents or MyAccount.
- Decide whether you are within the 14-day cooling-off period (see refund rules).
- Contact Hastings Direct by phone or via the app/MyAccount and clearly state you want to cancel.
- Request written confirmation of cancellation and any refund calculation.
- If necessary, follow up in writing to Customer Relations (postal address shown below).
What happens when you cancel
Access and cover
Once cancellation is confirmed, your insurance cover ends on the cancellation date stated by the insurer.
Make sure you understand the effective end time to avoid gaps in cover or unintended overlap with new insurance.
Renewal and auto-renewal
If you cancelled before renewal, your policy will not auto-renew if you have opted out or completed cancellation in time.
If you cancelled after renewal, confirm whether any renewal charge is refundable and whether future renewals are stopped.
Data and records
Hastings Direct will retain records relating to your policy and cancellation as required by their data retention policy and legal obligations.
Request a copy of your records or confirmation of what is retained if you need it for future disputes or new insurers.
Will I get a refund?
Cooling-off refund
Policyholders have a 14-day "cooling-off period" from the policy start date or receipt of documents (whichever is later) to cancel without giving a reason.
During this period you are entitled to a pro-rata refund of unused premium provided no claim has been made. See the insurer's terms: policy document.
Refunds after cooling-off
After the 14-day period you can still cancel and usually receive a pro-rata refund of unused premium, but a cancellation fee may apply.
Examples of typical fees reported: up to £45 for motor policies and about £35 for home policies; non-recoverable fees may not be refundable. Source: review.
Exceptions and requirements
- No refund for periods already used or for amounts that cannot be recovered by the insurer.
- If a claim has been made, the right to a cooling-off refund may be void; always check your policy wording.
- Ask for a written refund calculation showing gross premium, refund amount, and any fees deducted.
Hastings Direct plans and pricing
Product types
Hastings Direct commonly offers motor (car, van, bike) and home insurance products, among others in the UK market.
There is no publicly available NZD pricing for New Zealand; pricing below reflects the absence of NZ-specific price data.
Pricing table
| Plan / Product | Price (NZD) | Notes |
|---|---|---|
| Car insurance | Varies | UK-based pricing; no NZ prices publicly listed for 2024/2025 |
| Van / Bike insurance | Varies | Cancellation fees reported in GBP for post-cooling cancellations |
| Home insurance | Varies | No NZ-specific policies/prices identified; check your policy document |
Your consumer rights in New Zealand
Jurisdiction and governing terms
If your policy is governed by UK law or issued by a UK entity, the contract terms and UK statutory rights (such as the 14-day cooling-off) may apply.
Check your policy schedule and wording to confirm the governing law and dispute resolution clauses.
NZ consumer protections and recourse
In New Zealand, consumer protections are provided by laws such as the Fair Trading Act and oversight bodies like the Financial Markets Authority (FMA) and the Commerce Commission.
If you believe you have been treated unfairly, you can seek guidance from Consumer NZ or contact the FMA for advice on financial conduct and complaints.
Practical steps in NZ
- Read your policy terms carefully for cancellation, fees, and governing law.
- Keep written records of cancellation requests and confirmations.
- Contact Consumer NZ (consumer.org.nz) or the FMA (fma.govt.nz) for guidance if you need help.
Customer experiences
Positive feedback
Many customers praise Hastings Direct for easy setup, competitive pricing, and a user-friendly app and website.
Surveys have shown strong recommendation rates among some customers (e.g., Finder survey cited in reviews).
Negative feedback
Common complaints include unexpected cancellation fees, difficulty cancelling by self-serve, and occasional poor claims handling or communication.
Users have also reported app instabilities, black-box tracking issues, and requests for extensive documentation in some claim/cancellation cases.
Balanced takeaway
- If you value price and convenience, Hastings Direct may be attractive.
- If you prioritise claims service and dispute resolution, read recent customer reports and consider contacting the insurer for clarity before buying.
Documentation checklist
Essential documents to have
- Policy schedule and full policy wording with cancellation section.
- Your policy number, start date, and contact details used for the policy.
- Proof of payment or receipts for premiums paid.
Documents to request or keep after cancelling
- Written confirmation of cancellation and effective date.
- Written refund calculation showing gross premium, any fees deducted, and net refund.
- Copies of any correspondence (emails, call reference numbers) and proof of delivery if you send postal letters to Customer Relations.
Common mistakes
Missing the cooling-off deadline
Many customers assume they have a cooling-off right regardless of jurisdiction; not checking the exact 14-day start point can cost you fees.
Confirm whether the 14-day period starts from policy inception or from receipt of documents.
Assuming NZ consumer rules apply
Because Hastings Direct is UK-focused, NZ consumers sometimes assume local statutory protections apply when the policy is governed by UK law.
Always check the governing law clause and consult local consumer authorities if unsure.
Poor record-keeping
Failing to obtain written confirmation or proof of your cancellation request can make disputes harder to resolve.
Save emails, screenshots, and call reference numbers; send registered mail if you use postal correspondence.
Comparative recap
How Hastings Direct compares
Below is a short comparison between Hastings Direct (as encountered by NZ holders) and typical New Zealand insurers on common cancellation points.
At-a-glance comparison
| Feature | Hastings Direct (NZ context) | Typical NZ insurer |
|---|---|---|
| Cooling-off period | 14 days commonly offered (per UK policy documents) | Varies by insurer and policy; check local policy wording |
| Cancellation fees after cooling-off | Possible; reported examples around £35 - £45 (GBP) | Varies; some NZ insurers charge a flat fee or retain short-term earned premium |
| Customer support | Mixed reviews: easy setup but some complaints about claims and cancellations | Varies widely; local presence can make in-person assistance easier |
| Local pricing availability | No NZD pricing publicly listed for 2024/2025 | NZ insurers publish NZD pricing and local product disclosure statements |
After cancelling
What to do immediately
Confirm the cancellation in writing and request a refund calculation and final confirmation of cover end date.
Keep all records and monitor your bank account or card for the refund.
If you need help or wish to complain
- Contact Hastings Direct customer relations using the postal address below or via their customer service channels.
- Seek guidance from Consumer NZ: consumer.org.nz.
- For financial conduct issues or advice, contact the Financial Markets Authority: fma.govt.nz.
Useful policy & review links
- Hastings Direct policy example: policy document (scribd)
- Independent review noting fees and terms: nimblefins review
- Customer reviews and experiences: Trustpilot NZ
Address
Postal contact for Customer Relations
Customer Relations Manager
Hastings Direct
Conquest House, Collington Avenue
Bexhill-on-Sea, East Sussex, TN39 3LW
United Kingdom
Notes about contacting from New Zealand
There may be international call costs and postal delays. Keep copies of any letters sent and consider email/app contact first where available.
If your policy or dispute is governed by UK law, you may need to follow the insurer's formal complaints process before escalating to local NZ authorities.
Similar cancellation services
FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.