Direct Line

Direct Line is one of the biggest insurance brands in the UK not to appear on comparison websites.

The brand is owned by the Direct Line Group, which also owns brands Churchill and Privilege. This group is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index.

Due to its size, Direct Line is able to offer policies for all types of common needs.

Direct Line's general insurance policies are underwritten by U K Insurance Limited. Its Life Insurance is underwritten by Legal & General.

Direct Line
Gold ribbon: first place

Car insurance

Ranked 10th of 52 providers reviewed.

Customer happiness 59%
Customer trust 47%
Complaints performance 75%
Transparency rating 57%
Fairer Finance score
Reviewed Spring 2018
59%
Gold ribbon: first place

Home insurance

Ranked 13th of 47 providers reviewed.

Customer happiness 58%
Customer trust 47%
Complaints performance 75%
Transparency rating 59%
Fairer Finance score
Reviewed Spring 2018
60%
Gold ribbon: first place

Pet insurance

Ranked 4th of 22 providers reviewed.

Customer happiness 57%
Customer trust 53%
Complaints performance 75%
Transparency rating 56%
Fairer Finance score
Reviewed Spring 2018
60%
Gold ribbon: first place

Travel insurance

Ranked 3rd of 54 providers reviewed.

Customer happiness 59%
Customer trust 55%
Complaints performance 75%
Transparency rating 55%
Fairer Finance score
Reviewed Spring 2018
61%

Car insurance

Direct Line

Car Insurance

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

Home insurance

Direct Line

Select Premier

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

Direct Line

Home Insurance Plus

4 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £5,000
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i Sum insured
Money in the home i £1,000
New for old i

Direct Line

Home Insurance

3 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £2,500
24hr helpline i
Alternative accommodation i £25,000
Cover for keys/locks if lost i Sum insured
Money in the home i £500
New for old i

Buildings insurance

Direct Line

Select Premier

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

Direct Line

Home Insurance Plus

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Trace & access i £10,000
24hr helpline i
Alternative accommodation cover limit i £50,000
Compulsory excess i £100
Cover for keys/locks if stolen i Sum insured
Escape of water excess i £350
Property owner liability i £5,000,000

Direct Line

Home Insurance

3 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Trace & access i £5,000
24hr helpline i
Alternative accommodation cover limit i £25,000
Compulsory excess i £100
Cover for keys/locks if stolen i Sum insured
Escape of water excess i £350
Property owner liability i £2,000,000

Contents insurance

Direct Line

Home Insurance Plus

5 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Theft from outbuildings i £5,000
24hr helpline i
Alternative accomodation i £30,000
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i Part of sum insured
Money in the home i £1,000
New for old i

Direct Line

Select Premier

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Theft from outbuildings i Unlimited
24hr helpline i
Alternative accomodation i Sum insured
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i Sum insured
Money in the home i £2,500
New for old i

Direct Line

Home Insurance

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Theft from outbuildings i £2,500
24hr helpline i
Alternative accomodation i £15,000
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i Part of sum insured
Money in the home i £500
New for old i

Life insurance

Over 50s life insurance

Direct Line

Over 50s Life Insurance

4 stars
Cover for accidental death in waiting period i Full payout
Premium ending age i 90
Waiting period (months) i 12
Can you reduce monthly payments? i
Funeral benefit option £300
Maximum age i 80
Missed payments allowance (days) i 30 days
Payout for accidental death outside waiting period i Full payout
Protection for customers past the crossover point (refund) i

Pet insurance

Cat insurance

Direct Line

Advanced

3 stars
Dental cover (if due to an accident) i £8,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £8,000
Age compulsory excess changes i Doesn't change
Amendment fee i £0
CT scans i £8,000
Cancellation fee i £0
Complementary treatment i £8,000
Cremation i £0
Cruciate ligament damage i £8,000
Euthanasia i £100
Loss of pet total i
MRI scans i £8,000
Prescription diet (treatment of bladder stones only) i £0

Direct Line

Essential

2 stars
Dental cover (if due to an accident) i £4,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £4,000
Age compulsory excess changes i Doesn't change
Amendment fee i £0
CT scans i £4,000
Cancellation fee i £0
Complementary treatment i £4,000
Cremation i £0
Cruciate ligament damage i £4,000
Euthanasia i £0
Loss of pet total i
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £0

Dog insurance

Direct Line

Advanced

2 stars
Dental cover (if due to an accident) i £8,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £8,000
Age compulsory excess changes i Doesn't change
Amendment fee i £0
CT scans i £8,000
Complementary treatment i £8,000
Cremation i £0
Cruciate ligament damage i £8,000
Euthanasia i £100
MRI scans i £8,000
Prescription diet (treatment of bladder stones only) i £0

Direct Line

Essential

1 stars
Dental cover (if due to an accident) i £4,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £4,000
Age compulsory excess changes i Doesn't change
Amendment fee i £0
CT scans i £4,000
Complementary treatment i £4,000
Cremation i £0
Cruciate ligament damage i £4,000
Euthanasia i £0
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £0

Travel insurance

Annual multi-trip insurance

Direct Line

Travel Insurance

3 stars
Cancelling before travel i £5,000
Medical excess i £75
Personal possessions & baggage - damaged, lost or stolen i £0
Abandoning your trip i £5,000
Combined passport & travel i £500
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £250
Max trip duration i 42 days

Single trip insurance

Direct Line

Travel Insurance

3 stars
Cancelling before travel i £5,000
Medical excess i £75
Personal possessions and baggage - damaged, lost or stolen i £0
Abandoning your trip i £5,000
Combined passport & travel i £500
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £250
Missed departure i £600