Direct Line

Direct Line is owned by the Direct Line Group, which was formed in 2012 by the divestment of The Royal Bank of Scotland Group's insurance division. The Direct Line Group also owns Churchill and Green Flag. It is listed on the London Stock Exchange and is a constitute of the FTSE 250 Index.

Direct Line offers a wide array of insurance products, such as car, home, business, life, travel, pet, over 50's and landlord insurance.

Direct Line's general insurance policies are underwritten by U K Insurance Limited.

Their headquarters are based in Leeds, UK.

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Breakdown Cover

Ranked 4^th of 31 providers reviewed.

Customer happiness score	55.09%
Customer trust score	57.49%
Complaints performance	77.05%
Transparency rating	73.77%
Fairer Finance score Reviewed Autumn 2023	66%

Car insurance

Ranked 8^th of 49 providers reviewed.

Customer happiness score	66.77%
Customer trust score	59.26%
Complaints performance	77.05%
Transparency rating	74.19%
Fairer Finance score Reviewed Autumn 2023	69%

Home emergency cover

Ranked 7^th of 35 providers reviewed.

Customer happiness score	57.01%
Customer trust score	59.43%
Complaints performance	77.04%
Transparency rating	68.91%
Fairer Finance score Reviewed Autumn 2023	66%

Home insurance (building and contents)

Ranked 10^th of 46 providers reviewed.

Customer happiness score	60.26%
Customer trust score	54.76%
Complaints performance	77.05%
Transparency rating	82.47%
Fairer Finance score Reviewed Autumn 2023	69%

Life insurance

Ranked 8^th of 24 providers reviewed.

Claims score	85.50%
Complaints performance	86.81%
Transparency rating	61.25%
Fairer Finance score Reviewed Autumn 2023	78%

Pet insurance

Ranked 10^th of 35 providers reviewed.

Customer happiness score	60.44%
Customer trust score	59.59%
Complaints performance	77.05%
Transparency rating	72.64%
Fairer Finance score Reviewed Autumn 2023	67%

Travel insurance

Ranked 4^th of 45 providers reviewed.

Customer happiness score	58.21%
Customer trust score	57.97%
Complaints performance	77.05%
Transparency rating	65.2%
Fairer Finance score Reviewed Autumn 2023	65%

Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i	£1,000.00
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i	£25.00
Windscreen replacement excess i	£115.00
Cover limit for stolen keys i	£1,000.00
Cover for replacing original audio/visual equipment i	Unlimited
Repairs guarantee (years) i	5 years
Vandalism i

Home Security Cover i
Home Emergency Cover limit i	£500.00
Primary Heating System i
Cover Type i	Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	£250.00
Unoccupied period i	60
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Home Security Cover i
Home Emergency Cover limit i	£1,500.00
Primary Heating System i
Cover Type i	Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	£500.00
Unoccupied period i	60
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Alternative accommodation cover limit for buildings i	£50,000.00
Theft from outbuildings i	£5,000.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i	£100.00
Property owner liability i	£5,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	£100,000.00
Alternative accommodation cover limit for contents i	£30,000.00
Buildings cover limit i	Unlimited
Cancellation fee after 14 days i	£24.64
Liability to domestic employees i	£10,000,000.00
Trace and access i	£10,000.00
Keys/locks if lost or stolen (Buildings) i	Sum insured
Liability as a tenant i	£10,000.00
Replace belongings new for old i
Flood excess i	£250.00
Escape of water excess (minimum) i	£450.00
Money in the home i	£1,000.00
Visitor's possessions i	£1,000.00
Office equipment i	£10,000.00

Escape of water excess for buildings i	£450.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i	Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£250.00
Unoccupied period i	60 days
Property owner liability i	£5,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i	£40.00
Amendment fee (telephone) i	£0.00

Matching sets (contents) i
Theft from outbuildings i	£2,500.00
Cover for items away from home i	Covered as standard
Property owner liability i	£5,000,000.00

How long after policy is started can full benefits be claimed? i	24 months
Age when premiums stop i	90
Cover type (level or increasing) i	Level
Cover for accidental death in waiting period i	300%
Signing up incentive i	£100 gift card
Can you reduce monthly payments? i
Minimum age i	50
If a payment is missed, how long until the policy is cancelled? i	60 days
Maximum age i	85
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i
Cover for non-accidental death in waiting period (% of premiums paid) i	150%
Payout for accidental death outside waiting period i	100%
How much for terminal illness benefit? i	£0.00
How much will be paid for serious illness? i	£0.00
Discount offered with a funeral provider? i
Funeral benefit option provider i

Medical excess i	£80.00
Type of cover i	Maximum benefit, condition
Medical cover limit i	£8,000.00
Age when compulsory excess rises i
Annual policy limit i
Cancellation fee i	£0.00
Annual condition limit i
Amendment fee i	£0.00
Lifetime policy limit i
Lifetime condition limit i	£4,000.00
Dental cover (if due to an accident) i	£8,000.00
Cruciate ligament damage i	£8,000.00
CT scans i	£8,000.00
MRI scans i	£8,000.00
Prescribed food i	£0.00
Complementary treatment i	£8,000.00
Boarding fees limit i	£1,000.00
Death benefit (illness) i	£1,500.00
Euthanasia cover limit i	£100.00
Cremation i	£200.00
If renewed, are existing conditions covered? i
Holiday cancellation i	£5,000.00
Holiday cover i	£8,000.00
Quarantine costs cover i	£1,500.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i	£300.00
Maximum number of days abroad i	90 days

Type of cover i	Time-limited
Medical cover limit i	£4,000.00
Medical excess i	£95.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i	£8,000.00
Dental cover (if due to an accident) i	£4,000.00
Cruciate ligament damage i	£4,000.00
CT scans i	£4,000.00
MRI scans i	£4,000.00
Prescribed food i	£0.00
Complementary treatment i	£4,000.00
Euthanasia cover limit i	£0.00
Cremation i	£200.00
If renewed, are existing conditions covered? i
Age when compulsory excess rises i
Amendment fee i	£0.00
Holiday cancellation i	£5,000.00
Holiday cover i	£8,000.00

Medical excess i	£75.00
Cancelling before travel cover limit i	£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£1,500.00
Emergency medical cover and repatriation cover limit i	£10,000,000.00
Mental health cover i
Max trip duration i	42 days
Cutting trip short (curtailment) cover limit i	£5,000.00
Abandoning your trip (abandonment) cover limit i	£5,000.00
Personal money i	£500.00
Combined passport & travel documents cover limit i	£500.00
Natural disaster relocation cover i

Direct Line

Car insurance

Telematics Car Insurance

Commercial Vehicle Insurance

Home emergency cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Life insurance

Over 50s life insurance

Pet insurance

Cat insurance

Dog insurance

Travel insurance

Annual multi-trip insurance

Single trip insurance

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