Thank you for all your posting and complaining. I was thinking to join Hasting direct insurance but after reading all the complaining. It looks like Hasting Direct insurance company is just as bad as aviva rob and rip-off(coin) ....You must let others without on internet know about them too. I have to find others insurance company now. If anyone know good insurance company, please let me and others know. Thank you to let me know about these baddy companies.