Free help for adults with no will power

Hastings Direct will give a free will to anyone who takes out either a contents, or buildings, or combined insurance policy at hastingsdirect.com.

The average premium for a Hastings Direct combined contents and building insurance policy is £218.

Over 25 million adults in Britain do not have a will - that's half of all adults - yet dying without a will can lead to inheritance issues, increased taxation and your last wishes concerning your funeral arrangements being disregarded.

Hastings Direct has partnered with Arc Legal Assistance to provide free legal documents worth over £60, to anyone who purchases a household policy directly from the company website before the end of this year.

Homeowners will be guided step-by-step on a web based service to enable them to produce an expert assisted valid and legal will.   The service is comprehensive and is suitable for all adults whether married or in a civil partnership, single - with and/or without children.

Shaun Law, head of home insurance, Hastings Direct: "No one would think of travelling in a car without the protection of a safety belt, yet without a will - and half of all adults do not have one - their homes, pets, possessions and in lot of cases, even their own children are left unprotected and potentially vulnerable.  It takes less time to set the will up on line than it would to watch your favourite television soap.

"We want our customers to be protected and we are taking away the barriers of time, cost and inconvenience to ensure they plan and protect their lives beyond the 12 months of their home insurance policy."