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 14^th of 27 providers reviewed.

Customer happiness	52.16%
Customer trust	53.86%
Complaints performance	78.5%
Transparency rating	66.6%
Fairer Finance score Reviewed Spring 2023	63%

Car insurance

Ranked 13^th of 53 providers reviewed.

Customer happiness	67.08%
Customer trust	58.88%
Complaints performance	78.5%
Transparency rating	70.8%
Fairer Finance score Reviewed Spring 2023	69%

Home Emergency Cover

Ranked 6^th of 28 providers reviewed.

Customer happiness	58.96%
Customer trust	61.34%
Complaints performance	78.49%
Transparency rating	71.96%
Fairer Finance score Reviewed Spring 2023	68%

Home insurance (building and contents)

Ranked 9^th of 48 providers reviewed.

Customer happiness	61.05%
Customer trust	55.24%
Complaints performance	78.5%
Transparency rating	84.95%
Fairer Finance score Reviewed Spring 2023	70%

Life insurance

Ranked 13^th of 25 providers reviewed.

Claims score	78.00%
Complaints performance	87%
Transparency rating	60.27%
Fairer Finance score Reviewed Spring 2023	75%

Pet insurance

Ranked 8^th of 34 providers reviewed.

Customer happiness	62.06%
Customer trust	59.93%
Complaints performance	78.5%
Transparency rating	75.7%
Fairer Finance score Reviewed Spring 2023	69%

Travel insurance

Ranked 5^th of 41 providers reviewed.

Customer happiness	58.66%
Customer trust	57.3%
Complaints performance	78.5%
Transparency rating	58.63%
Fairer Finance score Reviewed Spring 2023	63%

Replacement Hire Car i
Roadside recovery
Pre-departure Hire Car i
Cover for re-booking i
Will they recover your car in cases of misfuelling?
Will you be recovered if you run out of fuel?
Will they provide a relief driver in instances of driver incapacitation due to injury or illness? i
Will they attend to assist with a flat battery?
Will they attend to assist with a flat tyre?
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Available to purchase alone?
Compulsory call out excess	£0.00
Cancellation window (days)	14
Pro rata refund
Number of passengers permitted for onward travel as standard i	7
Emergency Overnight Accommodation i
Repatriation i
Will they drain wrong fuel and replace in cases of misfuelling? i

Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year	Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess	£0.00
Cancellation window (days)	14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i	Unlimited
Emergency Overnight Accommodation i
Available to purchase alone?

Cover limit for lost keys i	£1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i	Unlimited
Windscreen repair excess i	£10.00
Windscreen replacement excess i	£75.00
Repairs guarantee (years) i	5 years
New car replacement i
Cover limit for stolen keys i	£1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Cover limit for lost keys i	£1,000.00
Cover limit for Legal Liability Cover for property damage	£20,000,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Self-installed or engineer-installed box? i	Insurer's choice
Is device removal mandatory at the end of the contract? i
Is there an excessive speeding restriction?
Can your insurance be cancelled due to a poor driving score?
Can premiums increase due to driving score?
Curfew i
Digital capability i
Cancellation fee (within 14 days) box installed i	£48.16
Speed restrictions scenario i	Pass
Cover for replacing original audio/visual equipment i	Unlimited
Cancellation fee (within 14 days, box not installed) i	£0.00
24hr helpline available i
New car replacement i
Cover limit for stolen keys i	£1,000.00
Legal cover for manslaughter defence i	Unlimited
Are children's car seats covered?
Cover limit for personal belongings inside car	£250.00
Underwriter	U K Insurance Limited
Storage after accident i
Vermin & insects i
Misfuelling i

Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i	Covered under the home insurance policy
Cover Type i	Add-On
Home Emergency Cover limit i	£1,500.00
Minimum Excess i	£0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i	No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i	No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i	£500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i	£500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i	£500.00
Domestic Power supply covered? i
Roof damage i	Covered under the home insurance policy
Pest infestation cover i
Underwriter i	U K Insurance Limited
Maximum Excess i	£0.00
Alternative Accommodation Cover i	£500.00
24/7 Claims Helpline i
Unoccupied period i	60

Alternative accommodation cover limit for buildings i	Unlimited
Matching sets (contents) i
Theft from outbuildings cover limit i	£2,500.00
Escape of water excess i	£250.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i	Unlimited
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i	Sum Insured
Keys/locks if lost or stolen (Buildings) i	Sum Insured
Money in the home i	£2,500.00
Replace belongings new for old i
Trace and access i	£15,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i	£250.00
Compulsory excess (contents) i	£100.00
Additional flood excess i	£0.00
Standard excess for subsidence claims	£1,000.00
Liability as a tenant i	£2,000,000.00
Liability to domestic employees i	£10,000,000.00
Property owner liability i	£5,000,000.00
Buildings cover limit i	Unlimited
Contents cover limit i	Unlimited
Underwriter	UK Insurance Ltd
24hr helpline i
Unoccupied period i	60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i	£0.00
Cancellation fee after 14 days i	£40.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days	£0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection	£25,000.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents	£0.00
Visitor's possessions	£500.00
Out in open cover
Frozen Food Cover	Sum insured
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i	Sum Insured
Credit cards i	£25,000.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment	£0.00
Household removals
Student's belongings i
Shopping in transit i	£0.00
Cover Away from Home offered for: Electronics	As Standard
Cover away from home offered for: money
Cover away from home offered for: jewellery	As Standard
Cover away from home offered for: bicycles & other	As Standard
Special events (weddings and civil ceremonies) - limit	10% of sum Insured
Special events (weddings and civil ceremonies) - days	No limit
Special events (births) - limit	10% of Sum Insured
Special events (births) - days	No limit
Special events (anniversaries and birthdays) - limit	10% of Sum Insured
Special events (anniversaries and birthdays) - days	No limit
Special events (religious events) - limit	10% of Sum Insured
Special events (religious events) - days	No limit
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i	£0.00
Medical equipment loan i	£0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i	Not Defined
Rainfall (mm) i	Not Defined
Windspeed (mph) i	Not Defined

Alternative accommodation cover limit for buildings i	£50,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i	£5,000.00
Escape of water excess i	£450.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i	£30,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i	Sum Insured
Keys/locks if lost or stolen (Buildings) i	Sum Insured
Money in the home i	£1,000.00
Replace belongings new for old i
Trace and access i	£10,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i	£450.00
Compulsory excess (contents) i	£100.00
Additional flood excess i	£250.00
Standard excess for subsidence claims	£1,000.00
Liability as a tenant i	£10,000.00
Liability to domestic employees i	£10,000,000.00
Property owner liability i	£5,000,000.00
Buildings cover limit i	Unlimited
Contents cover limit i	£100,000.00
Underwriter	UK Insurance Ltd
24hr helpline i
Unoccupied period i	60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i	£0.00
Cancellation fee after 14 days i	£43.68
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days	£0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection	£2.5k per claim, £500 per plant
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents	£0.00
Visitor's possessions	£1,000.00
Out in open cover
Frozen Food Cover	Sum insured
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i	Sum Insured
Credit cards i	£0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment	£10,000.00
Household removals
Student's belongings i
Shopping in transit i	£0.00
Cover Away from Home offered for: Electronics	As Standard
Cover away from home offered for: money
Cover away from home offered for: jewellery	As Standard
Cover away from home offered for: bicycles & other	As Standard
Special events (weddings and civil ceremonies) - limit	10% of sum Insured
Special events (weddings and civil ceremonies) - days	60 days
Special events (births) - limit	10% of Sum Insured
Special events (births) - days	60 days
Special events (anniversaries and birthdays) - limit	10% of Sum Insured
Special events (anniversaries and birthdays) - days	Not Offered
Special events (religious events) - limit	10% of Sum Insured
Special events (religious events) - days	60 days
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i	£0.00
Medical equipment loan i	£0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i	Not Defined
Rainfall (mm) i	Not Defined
Windspeed (mph) i	Not Defined

Age when premiums stop i	90
Cover for accidental death in waiting period i	3x full payout
How long after policy is started can full benefits be claimed? i	24 months
Cover type (level or increasing) i	Level
Signing up incentive i	£100 gift card
Minimum age i	50
Maximum age i	85
Cover for non-accidental death in waiting period (% of premiums paid) i	150%
Payout for accidental death outside waiting period i	Full payout
How much for terminal illness benefit? i	£0.00
How much will be paid for serious illness? i	£0.00
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i	30 days
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
Discount offered with a funeral provider? i	Not offered
Funeral benefit option provider i	Not offered

Type of cover i	Maximum benefit, condition
Medical cover limit i	£8,000.00
Medical excess i	£95.00
Annual policy limit i
Annual condition limit i
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
Prescription diet (treatment of bladder stones only) 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	£0.00
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
Age when compulsory excess rises i
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i

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
Prescription diet (treatment of bladder stones only) i	£0.00
Complementary treatment i	£4,000.00
Boarding fees limit i	£1,000.00
Death benefit (illness) i	£1,500.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
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
Age when compulsory excess rises i
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i

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

Ski equipment owned cover limit i	£500.00
Single owned item cover limit i	£250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i	£300.00
Avalanche closure cover limit i	£200.00
Piste closure cover limit i	£200.00
Ski equipment owned excess i	£50.00
Ski equipment hired i	£500.00
Single item limit for hired equipment i	£250.00
Unused ski pass due to illness or injury i	£250.00

Direct Line

Breakdown Cover

EU Breakdown Cover

UK Breakdown Cover

Car insurance

Telematics Car 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

Travel insurance add-on: winter sports

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