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 3rd of 11 providers reviewed.

Customer happiness 58.65%
Customer trust 54.14%
Complaints performance 75.04%
Transparency rating 83.64%
Fairer Finance score
Reviewed Autumn 2021
68%
Gold ribbon: first place

Car insurance

Ranked 19th of 54 providers reviewed.

Customer happiness 65.71%
Customer trust 56.32%
Complaints performance 75.09%
Transparency rating 68.43%
Fairer Finance score
Reviewed Autumn 2021
66%

Home insurance (building and contents)

Ranked 18th of 51 providers reviewed.

Customer happiness 61.49%
Customer trust 53.69%
Complaints performance 75.04%
Transparency rating 67.76%
Fairer Finance score
Reviewed Autumn 2021
64%

Life insurance

Ranked 21st of 25 providers reviewed.

Claims score 68.50%
Complaints performance 83.73%
Transparency rating 51.54%
Fairer Finance score
Reviewed Spring 2021
68%
Gold ribbon: first place

Pet insurance

Ranked 5th of 28 providers reviewed.

Customer happiness 58.72%
Customer trust 54.5%
Complaints performance 75.09%
Transparency rating 78.18%
Fairer Finance score
Reviewed Autumn 2021
67%
Gold ribbon: first place

Travel insurance

Ranked 6th of 36 providers reviewed.

Customer happiness 57.47%
Customer trust 56.17%
Complaints performance 75.09%
Transparency rating 47.93%
Fairer Finance score
Reviewed Autumn 2021
59%

Car insurance

Direct Line

Select Premier Car Insurance

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

Direct Line

Car Insurance

4 stars
Cover limit for lost keys i £1,000
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
New car replacement
Windscreen repair excess i £10
Windscreen replacement excess i £75
Repairs guarantee (years) i 5 years
Cover limit for stolen keys i £1,000
24hr helpline available i
Courtesy car provided if stolen / total loss i

Home insurance (building and contents)

Direct Line

Select Premier

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

Direct Line

Home Insurance Plus

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £450
Alternative accommodation cover limit i £80,000
Cover for keys if lost i Sum insured
Money in the home i £1,000
Replace belongings new for old i
24hr helpline i

Direct Line

Home Insurance

3 stars
Matching sets i
Theft from outbuildings cover limit i £2,500
Escape of water excess i £450
Alternative accommodation cover limit i £40,000
Cover for keys if lost i Sum insured
Money in the home i £500
Replace belongings new for old i
24hr helpline 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 Unlimited
Cover for keys if stolen i Sum insured
Compulsory excess i £250
Escape of water excess i £250
24hr helpline i
Property owner liability i £5,000,000

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 £80,000
Cover for keys if stolen i Sum insured
Compulsory excess i £100
Escape of water excess i £450
24hr helpline i
Property owner liability i £5,000,000

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 £40,000
Cover for keys if stolen i Sum insured
Compulsory excess i £100
Escape of water excess i £450
24hr helpline i
Property owner liability i £2,000,000

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 £80,000
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 £40,000
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

2 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
Maximum age i 85
Payout for accidental death outside waiting period i 1.5x the life cover paid
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
Vet fees cover limit per condition i £8,000
Dental cover (if due to an accident) i £8,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
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
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
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
Vet fees cover limit per condition i £8,000
Dental cover (if due to an accident) i £8,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
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
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
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
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £250
Combined passport & travel cover limit i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 42 days

Direct Line

Travel Insurance

2 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £0
Combined passport & travel cover limit i £500
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
Medical excess i £75
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £250
Combined passport & travel cover limit i £500
Missed departure cover limit i £600

Direct Line

Travel Insurance

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

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
Avalanche closure cover limit i £200
Piste closure cover limit i £200
Ski equipment owned excess i £75
Ski equipment hired i £500
Single item limit for hired equipment i £250
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
Avalanche closure cover limit i £200
Piste closure cover limit i £200
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £250
Unused ski pass due to illness or injury i £250

Travel Insurance Covid-19 Cover

Direct Line

Travel Insurance (with baggage cover)

2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
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?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Direct Line

Travel Insurance

2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
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?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)