Direct Line

Direct Line is one of the biggest insurance brands in the UK not to appear on comparison websites.

The brand is owned by the Direct Line Group, which also owns brands Churchill and Privilege. This group is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index.

Due to its size, Direct Line is able to offer policies for all types of common needs.

Direct Line's general insurance policies are underwritten by U K Insurance Limited. Its Life Insurance is underwritten by Legal & General.

Direct Line
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Gold ribbon: first place

Car insurance

Ranked 6th of 51 providers reviewed.

Customer happiness 64%
Customer trust 53%
Complaints performance 78%
Transparency rating 55%
Fairer Finance score
Reviewed Spring 2019
62%
Gold ribbon: first place

Home insurance

Ranked 7th of 47 providers reviewed.

Customer happiness 61%
Customer trust 52%
Complaints performance 78%
Transparency rating 59%
Fairer Finance score
Reviewed Spring 2019
63%

Life insurance

Ranked 13th of 25 providers reviewed.

Claims score 96.64%
Complaints performance 88.25%
Transparency rating 55%
Fairer Finance score
Reviewed Spring 2019
73%
Gold ribbon: first place

Pet insurance

Ranked 4th of 19 providers reviewed.

Customer happiness 59%
Customer trust 54%
Complaints performance 78%
Transparency rating 66%
Fairer Finance score
Reviewed Spring 2019
64%
Gold ribbon: first place

Travel insurance

Ranked 3rd of 59 providers reviewed.

Customer happiness 62%
Customer trust 58%
Complaints performance 78%
Transparency rating 51%
Fairer Finance score
Reviewed Spring 2019
62%

Car insurance

Direct Line

Car Insurance

4 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £10
Windscreen replacement excess i £75
Cover for keys/locks if stolen i Unlimited
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 5 years
Courtesy car provided if stolen / total loss i

Home insurance

Direct Line

Select Premier

4 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings i Unlimited
24hr helpline i
Alternative accommodation i Sum insured
Cover for keys/locks if lost i Sum insured
Money in the home i £2,500
New for old i

Direct Line

Home Insurance Plus

4 stars
Escape of water excess i £450
Matching sets i
Theft from outbuildings i £5,000
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i Sum insured
Money in the home i £1,000
New for old i

Direct Line

Home Insurance

3 stars
Escape of water excess i £450
Matching sets i
Theft from outbuildings i £2,500
24hr helpline i
Alternative accommodation i £25,000
Cover for keys/locks if lost i Sum insured
Money in the home i £500
New for old i

Buildings insurance

Direct Line

Select Premier

4 stars
Trace & access i £15,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £250
Escape of water excess i £250
Alternative accommodation cover limit i Sum insured
Cover for keys/locks if stolen i Sum insured
Property owner liability i £5,000,000
24hr helpline i

Direct Line

Home Insurance Plus

4 stars
Trace & access i £10,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £100
Escape of water excess i £450
Alternative accommodation cover limit i £50,000
Cover for keys/locks if stolen i Sum insured
Property owner liability i £5,000,000
24hr helpline i

Direct Line

Home Insurance

3 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £100
Escape of water excess i £450
Alternative accommodation cover limit i £25,000
Cover for keys/locks if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

Direct Line

Home Insurance Plus

5 stars
Theft from outbuildings i £5,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £30,000
Money in the home i £1,000
Cover for keys/locks if stolen i Sum insured
24hr helpline i

Direct Line

Select Premier

4 stars
Theft from outbuildings i Unlimited
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i Sum insured
New for old i
Alternative accomodation i Sum insured
Money in the home i £2,500
Cover for keys/locks if stolen i Sum insured
24hr helpline i

Direct Line

Home Insurance

3 stars
Theft from outbuildings i £2,500
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £15,000
Money in the home i £500
Cover for keys/locks if stolen i Sum insured
24hr helpline i

Life insurance

Over 50s life insurance

Direct Line

Over 50s Life Insurance

4 stars
Cover for accidental death in waiting period i Full payout
Waiting period i 12 months
Premium ending age i 90
Can you reduce monthly payments? i Yes (after one year)
Missed payments allowance i 30 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Funeral benefit option £300

Pet insurance

Cat insurance

Direct Line

Advanced

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £8,000
Dental cover (if due to an accident) i £8,000
Cruciate ligament damage i £8,000
CT scans i £8,000
MRI scans i £8,000
Prescription diet (treatment of bladder stones only) i £0
Euthanasia i £100
Cremation i £0
Complementary treatment i £8,000
Age compulsory excess changes i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Direct Line

Essential

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £0
Euthanasia i £0
Cremation i £0
Complementary treatment i £4,000
Age compulsory excess changes i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Dog insurance

Direct Line

Advanced

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £8,000
Dental cover (if due to an accident) i £8,000
Cruciate ligament damage i £8,000
CT scans i £8,000
MRI scans i £8,000
Prescription diet (treatment of bladder stones only) i £0
Euthanasia i £100
Cremation i £0
Complementary treatment i £8,000
Age compulsory excess changes i Doesn't change
Amendment fee i £0

Direct Line

Essential

1 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £0
Euthanasia i £0
Cremation i £0
Complementary treatment i £4,000
Age compulsory excess changes i Doesn't change
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

Direct Line

Travel Insurance (with baggage cover)

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 42 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £250
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Direct Line

Travel Insurance

2 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £0
Max trip duration i 42 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £0
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

Direct Line

Travel Insurance (with baggage cover)

4 stars
Medical excess i £75
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £600
Abandoning your trip i £5,000
Lost or stolen cash i £0
Combined passport & travel i £500

Direct Line

Travel Insurance

2 stars
Medical excess i £75
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £0
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £600
Abandoning your trip i £5,000
Lost or stolen cash i £0
Combined passport & travel i £500

Winter sports add-on

Direct Line

Annual Travel Insurance

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £250
Avalanche closure i £200
Piste closure i £200
Unused ski pass due to illness or injury i £250

Direct Line

Single Travel Insurance

1 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £75
Ski equipment hired i £500
Single item limit for hired equipment i £250
Avalanche closure i £200
Piste closure i £200
Unused ski pass due to illness or injury i £250