Ragavan Ramanujam

Hastings Direct

Hastings Group is a fast growing, agile, digitally focused general insurance provider providing services to the UK car, van, bike and home insurance market. Big enough to compete but small enough to grow, the Group has strong relationships with all major price comparison websites, a cost effective digital marketing model and a focus on customer retention. Hastings provides refreshingly straightforward products and services to UK car, bike, van and home insurance customers. A multi-award winning business, Hastings has over 2.7 million customers and over 3,400 colleagues. The Group operates as an integrated insurance provider with two businesses. The Group's Retail business, Hastings Insurance Services Limited, is responsible for the end customer pricing, fraud management, product design, distribution and management of the underlying customer relationships. The Group's Underwriting business, Advantage Insurance Company Limited, engages in risk selection, underlying technical pricing, reserving and claims handling. Retail is supported by, and benefits from, Underwriting's prudent approach to risk and reserving and also benefits from the Group's panel of insurance partners who provide additional underwriting capacity. The Group's integrated model deliberately separates underlying product manufacturing from its distribution.