If you don't want to find out someone has made a claim against you and Hastings Insurance has paid the amount without telling you and you don't become aware of this until it's time to renew your insurance, if, even though you claim the so called damage to the claimant's car could not possibly have been caused by your vehicle but they seem unwilling to support your claim, or take into account your submitted evidence. If you don't mind that they only send out an assessor to check for any ‘tell tale' damage to your vehicle after seven months and that his comment was that a minute mark on my rear bumper was not consistent with the damage allegedly made to the claimant's car, if you don't mind them telling you they are going to uphold their decision and not try to reclaim the amount they so readily paid because they don't have enough proof, then this is the company for you!