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.

Direct Line
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Gold ribbon: first place

Breakdown Cover

Ranked 11th of 25 providers reviewed.

Customer happiness 52.21%
Customer trust 54.04%
Complaints performance 63%
Transparency rating 69.97%
Fairer Finance score
Reviewed Autumn 2022
63%
Gold ribbon: first place

Car insurance

Ranked 16th of 52 providers reviewed.

Customer happiness 66.11%
Customer trust 56.9%
Complaints performance 75.78%
Transparency rating 76.23%
Fairer Finance score
Reviewed Autumn 2022
69%
Gold ribbon: first place

Home Emergency Cover

Ranked 6th of 24 providers reviewed.

Customer happiness 58.04%
Customer trust 60.72%
Complaints performance 75.37%
Transparency rating 68.82%
Fairer Finance score
Reviewed Autumn 2022
66%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 13th of 48 providers reviewed.

Customer happiness 60.34%
Customer trust 54.15%
Complaints performance 75.77%
Transparency rating 80.58%
Fairer Finance score
Reviewed Autumn 2022
68%

Life insurance

Ranked 12th of 26 providers reviewed.

Claims score 78.00%
Complaints performance 87.75%
Transparency rating 63.55%
Fairer Finance score
Reviewed Autumn 2022
76%
Gold ribbon: first place

Pet insurance

Ranked 7th of 31 providers reviewed.

Customer happiness 61.68%
Customer trust 56.85%
Complaints performance 75.78%
Transparency rating 76.73%
Fairer Finance score
Reviewed Autumn 2022
68%
Gold ribbon: first place

Travel insurance

Ranked 5th of 38 providers reviewed.

Customer happiness 58.31%
Customer trust 55.54%
Complaints performance 73.81%
Transparency rating 59.31%
Fairer Finance score
Reviewed Autumn 2022
62%

Breakdown Cover

EU Breakdown Cover

Direct Line

Euro Plus

4 stars
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

UK Breakdown Cover

Direct Line

Euro Plus

5 stars
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?

Direct Line

Recovery Plus

5 stars
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?

Direct Line

Recovery

2 stars
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 0
Emergency Overnight Accommodation i
Available to purchase alone?

Direct Line

Rescue Plus

2 stars
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 0
Emergency Overnight Accommodation i
Available to purchase alone?

Direct Line

Rescue

1 stars
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 0
Emergency Overnight Accommodation i
Available to purchase alone?

Car insurance

Direct Line

Comprehensive

5 stars
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

Direct Line

Comprehensive Plus

5 stars
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

Telematics Car Insurance

Direct Line

Drive plus

5 stars
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

Home Emergency Cover

Direct Line

Select Premier Home Emergency (HNW)

5 stars
Boiler Breakdown Cover i
Home Security Cover i
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
Water Supply Pipe Cover 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
Lost keys Cover i Covered under the home insurance policy
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

Direct Line

Select Premier Home Emergency

5 stars
Boiler Breakdown Cover i
Home Security Cover i
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
Water Supply Pipe Cover 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
Lost keys Cover i Covered under the home insurance policy
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

Direct Line

Home Emergency (Home Insurance Plus)

4 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover 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 £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £250.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home insurance policy
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 £250.00
24/7 Claims Helpline i
Unoccupied period i 60

Direct Line

Home Emergency (Home Insurance)

4 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover 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 £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £250.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home insurance policy
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 £250.00
24/7 Claims Helpline i
Unoccupied period i 60

Home insurance (building and contents)

Direct Line

Select Premier

3 stars
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
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
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 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
Standard Accidental Damage - Underground services
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
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
Shopping in Transit £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

Direct Line

Home Insurance Plus

2 stars
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
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
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 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
Standard Accidental Damage - Underground services
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
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
Shopping in Transit £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

Direct Line

Home Insurance

1 stars
Alternative accommodation cover limit for buildings i £25,000.00
Matching sets (Contents) i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i £15,000.00
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 £500.00
Replace belongings new for old i 50% of the cost of replacing the undamaged parts
Trace and Access i £5,000.00
Matching sets (Buildings) i
Escape of Water (Plus Compulsory Excess) i £450.00
Compulsory excess (Contents) i £100.00
Flood excess i £250.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £5,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £2,000,000.00
Buildings Cover limit i £1,000,000.00
Contents Cover limit i £50,000.00
Underwriter UK Insurance Ltd
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee 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
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection £1k per claim, £250 per plant
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
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 £0.00
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £5,000.00
Household Removals
Student's Belongings
Shopping in Transit £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 Optional
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

Buildings insurance

Direct Line

Select Premier

4 stars
Trace and Access i £15,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i Unlimited
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft £2,500.00
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £250.00
Buildings Compulsory Excess i £250.00
Escape of water excess i £250.00
Flood excess i £0.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £40.00
Amendment fee i £0.00
Property owner liability i £5,000,000.00

Direct Line

Home Insurance

1 stars
Trace and Access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i £25,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft £2,500.00
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £450.00
Buildings Compulsory Excess i £250.00
Escape of water excess i £450.00
Flood excess i £250.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £43.68
Amendment fee i £0.00
Property owner liability i £2,000,000.00

Direct Line

Home Insurance Plus

1 stars
Trace and Access i £10,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i £50,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft £5,000.00
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £450.00
Buildings Compulsory Excess i £250.00
Escape of water excess i £450.00
Flood excess i £250.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £43.68
Amendment fee i £0.00
Property owner liability i £5,000,000.00

Contents insurance

Direct Line

Select Premier

3 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i £2,500.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £2,500.00
Alternative accommodation cover limit for contents i Unlimited
24hr helpline i

Direct Line

Home Insurance Plus

3 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i £5,000.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £1,000.00
Alternative accommodation cover limit for contents i £30,000.00
24hr helpline i

Direct Line

Home Insurance

2 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i £2,500.00
Cycles included whilst in the home i
Replace belongings new for old i 50% of the cost of replacing the undamaged parts
Money in the home i £500.00
Alternative accommodation cover limit for contents i £15,000.00
24hr helpline i

Life insurance

Over 50s life insurance

Direct Line

Over 50s Life Insurance

3 stars
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
Signing up incentive i £100 gift card
Maximum age i 85
Payout for accidental death outside waiting period i Full payout
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
Discount offered with a funeral provider? i Not offered

Pet insurance

Cat insurance

Direct Line

Advanced

4 stars
Type of cover i Maximum benefit, condition
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 £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 Optional
Death benefit (illness) i Optional
Euthanasia cover limit i £100.00
Cremation i £0.00
Holiday cancellation i Optional
Holiday cover i Optional
Quarantine costs cover i Optional
Loss of PETS passport or other travel documents i Optional
Emergency expenses abroad i Optional
Maximum number of days abroad i Optional
Age when compulsory excess rises i
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Direct Line

Essential

3 stars
Type of cover i Time-limited
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 £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 Optional
Death benefit (illness) i Optional
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i Optional
Holiday cover i Optional
Quarantine costs cover i Optional
Loss of PETS passport or other travel documents i Optional
Emergency expenses abroad i Optional
Maximum number of days abroad i Optional
Age when compulsory excess rises i
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

Direct Line

Advanced

3 stars
Type of cover i Maximum benefit, condition
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 4,000
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
Euthanasia cover limit i £100.00
Cremation i £0.00
Age when compulsory excess rises i
Amendment fee i £0.00
Holiday cancellation i Optional
Holiday cover i Optional
If renewed, are existing conditions covered? i

Direct Line

Essential

2 stars
Type of cover i Time-limited
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 8,000
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
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i
Amendment fee i £0.00
Holiday cancellation i Optional
Holiday cover i Optional
If renewed, are existing conditions covered? i

Travel insurance

Annual multi-trip insurance

Direct Line

Travel Insurance (with baggage cover)

4 stars
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 £250.00
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

Direct Line

Travel Insurance

3 stars
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0.00
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 £0.00
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

Single trip insurance

Direct Line

Travel Insurance (with baggage cover)

4 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £600.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £250.00
Combined passport & travel cover limit i £500.00

Direct Line

Travel Insurance

3 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £600.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £0.00
Combined passport & travel cover limit i £500.00

Travel insurance add-on: winter sports

Direct Line

Travel Insurance (with baggage cover)

2 stars
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

Travel Insurance

2 stars
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