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 5^th of 44 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%

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	£25.00
Windscreen replacement excess i	£115.00
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	£0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i	Unlimited
Windscreen repair excess i	£25.00
Windscreen replacement excess i	£115.00
Repairs guarantee (years) i	5 years
New car replacement i
Cover limit for stolen keys i	£0.00
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

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

Theft from outbuildings i	£2,500.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i	Unlimited
Escape of water excess i	£450.00
Additional escape of water excess i	£0.00
Flood excess i	£250.00
Cover away from home offered for: jewellery	Covered as standard
Keys/locks if lost or stolen (Buildings) i	Sum insured
Trace and access i	£15,000.00
Buildings cover limit i	Unlimited
Money in the home i	£2,500.00
Contents sum insured i	Unlimited
Visitor's possessions i	£500.00
Office equipment i	£15,000.00
Alternative accommodation cover limit for contents i	Unlimited
Escape of water excess (minimum) i	£450.00
Cancellation fee after 14 days i	£40.00
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£100.00
Property owner liability i	£5,000,000.00
Liability to domestic employees i	£10,000,000.00
Liability as a tenant i	£2,000,000.00
Replace belongings new for old i

Theft from outbuildings i	£5,000.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i	£50,000.00
Escape of water excess i	£450.00
Additional escape of water excess i	£0.00
Flood excess i	£250.00
Cover away from home offered for: jewellery	Covered as standard
Keys/locks if lost or stolen (Buildings) i	Sum insured
Trace and access i	£10,000.00
Buildings cover limit i	Unlimited
Money in the home i	£1,000.00
Contents sum insured i	£100,000.00
Visitor's possessions i	£1,000.00
Office equipment i	£10,000.00
Alternative accommodation cover limit for contents i	£30,000.00
Escape of water excess (minimum) i	£450.00
Cancellation fee after 14 days i	£43.68
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£100.00
Property owner liability i	£5,000,000.00
Liability to domestic employees i	£10,000,000.00
Liability as a tenant i	£10,000.00
Replace belongings new for old i

Matching sets (Buildings) i
Escape of water excess (minimum) i	£450.00
Buildings compulsory excess i	£250.00
Escape of water excess i	£450.00
Unoccupied period i	60.00
24hr helpline i
Cancellation fee after 14 days (buildings) i	£40.00
Amendment fee (telephone) i	£0.00
Property owner liability i	£5,000,000.00

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	£80.00
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
Is there an option to cover pre-existing conditions? i

Type of cover i	Time-limited
Medical cover limit i	£4,000.00
Medical excess i	£80.00
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
Is there an option to cover pre-existing conditions? 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 documents cover limit i	£500.00
Cutting trip short (curtailment) cover limit i	£5,000.00
Abandoning your trip (abandonment) 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

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

Travel insurance add-on: winter sports

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