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

Car insurance

Ranked 7th of 52 providers reviewed.

Customer happiness 64.28%
Customer trust 54.36%
Complaints performance 74.87%
Transparency rating 64.37%
Fairer Finance score
Reviewed Autumn 2020
65%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 8th of 51 providers reviewed.

Customer happiness 60.65%
Customer trust 53.18%
Complaints performance 75.37%
Transparency rating 65.79%
Fairer Finance score
Reviewed Autumn 2020
64%

Life insurance

Ranked 19th of 24 providers reviewed.

Claims score 68.50%
Complaints performance 81.1%
Transparency rating 52.21%
Fairer Finance score
Reviewed Autumn 2020
67%
Gold ribbon: first place

Pet insurance

Ranked 5th of 28 providers reviewed.

Customer happiness 57%
Customer trust 53%
Complaints performance 75%
Transparency rating 64%
Fairer Finance score
Reviewed Autumn 2020
62%

Car insurance

Direct Line

Select Premier Car Insurance

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

Direct Line

Car Insurance

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

Home insurance (building and contents)

Direct Line

Select Premier

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

Direct Line

Home Insurance Plus

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

Direct Line

Home Insurance

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

Buildings insurance

Direct Line

Select Premier

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

Direct Line

Home Insurance Plus

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

Direct Line

Home Insurance

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

Contents insurance

Direct Line

Select Premier

4 stars
Theft from outbuildings cover limit i Unlimited
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Sum insured
Replace belongings new for old i
Alternative accommodation cover limit i Sum insured
Money in the home cover limit i £2,500
Cover for keys if stolen i Sum insured
24hr helpline i

Direct Line

Home Insurance Plus

4 stars
Theft from outbuildings cover limit i £5,000
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £30,000
Money in the home cover limit i £1,000
Cover for keys if stolen i Sum insured
24hr helpline i

Direct Line

Home Insurance

3 stars
Theft from outbuildings cover limit i £2,500
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £15,000
Money in the home cover limit i £500
Cover for keys if stolen i Sum insured
24hr helpline i

Life insurance

Over 50s life insurance

Direct Line

Over 50s Life Insurance

3 stars
Age when premiums stop i 90
How long after policy is started can full benefits be claimed? i 24 months
Cover for accidental death in waiting period i 3x full payout
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i 30 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
Payout for accidental death outside waiting period i 1.5x the life cover paid
Discount offered with a funeral provider? i Not offered

Pet insurance

Cat insurance

Direct Line

Advanced

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £100
Cremation i £0
Complementary treatment i £8,000
Age when compulsory excess rises i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i Optional

Direct Line

Essential

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £0
Cremation i £0
Complementary treatment i £4,000
Age when compulsory excess rises i Doesn't change
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i Optional

Dog insurance

Direct Line

Advanced

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £100
Cremation i £0
Complementary treatment i £8,000
Age when compulsory excess rises i Doesn't change
Amendment fee i £0

Direct Line

Essential

2 stars
If renewed, are existing conditions covered? i
Vet fees cover limit 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 cover limit i £0
Cremation i £0
Complementary treatment i £4,000
Age when compulsory excess rises 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 cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Max trip duration i 42 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £250
Combined passport & travel cover limit 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 cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0
Max trip duration i 42 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £0
Combined passport & travel cover limit 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 cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £600
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £250
Combined passport & travel cover limit i £500

Direct Line

Travel Insurance

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

Travel insurance add-on: winter sports

Direct Line

Single Travel Insurance

2 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300
Ski equipment owned excess i £75
Ski equipment hired i £500
Single item limit for hired equipment i £250
Avalanche closure cover limit i £200
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £250

Direct Line

Annual Travel Insurance

2 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £250
Avalanche closure cover limit i £200
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £250

Travel Insurance Covid-19 Cover

Direct Line

Travel Insurance (with baggage cover)

2 stars
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Does the policy cover medical cover if you catch Covid-19?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Direct Line

Travel Insurance

2 stars
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Does the policy cover medical cover if you catch Covid-19?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)