Hastings Direct home insurance

MouldyOldDough

What is the difference between "premier" and "essential" ?

I would have imagined that Premier was a higher level - but it's cheaper than Essential

and has higher cover levels and lower excess

GrumpyDil

Isn't the difference over the extras that are included. All four appear to be included in Premier but in essentials legal and home emergency cover look to be optional. Remove those and I suspect essentials would be cheaper but by adding them on you've found that in that scenario Premier is cheaper.