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 2nd of 16 providers reviewed.

Customer happiness 58.55%
Customer trust 57.68%
Complaints performance 73.78%
Transparency rating 80.95%
Fairer Finance score
Reviewed Spring 2022
68%
Gold ribbon: first place

Car insurance

Ranked 16th of 53 providers reviewed.

Customer happiness 66.58%
Customer trust 58.12%
Complaints performance 73.81%
Transparency rating 72.16%
Fairer Finance score
Reviewed Spring 2022
68%
Gold ribbon: first place

Home Emergency Cover

Ranked 2nd of 16 providers reviewed.

Customer happiness 62.39%
Customer trust 60.75%
Complaints performance 73%
Transparency rating 68.83%
Fairer Finance score
Reviewed Spring 2022
66%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 14th of 49 providers reviewed.

Customer happiness 61.18%
Customer trust 54.41%
Complaints performance 73.78%
Transparency rating 77.72%
Fairer Finance score
Reviewed Spring 2022
67%

Life insurance

Ranked 18th of 26 providers reviewed.

Claims score 68.50%
Complaints performance 87.37%
Transparency rating 52.35%
Fairer Finance score
Reviewed Autumn 2021
69%
Gold ribbon: first place

Pet insurance

Ranked 8th of 28 providers reviewed.

Customer happiness 62.77%
Customer trust 56.52%
Complaints performance 73.81%
Transparency rating 76.06%
Fairer Finance score
Reviewed Spring 2022
67%
Gold ribbon: first place

Travel insurance

Ranked 8th of 39 providers reviewed.

Customer happiness 56.55%
Customer trust 52.22%
Complaints performance 73.81%
Transparency rating 52.84%
Fairer Finance score
Reviewed Spring 2022
59%

Car insurance

Direct Line

Car Insurance

4 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
Cover limit for stolen keys i £1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i

Direct Line

Select Premier Car Insurance

4 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
Windscreen repair excess i £10.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 5 years
New car replacement
Cover limit for stolen keys i Unlimited
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 £250.00
Alternative accommodation cover limit for contents i Sum insured
Alternative accommodation cover limit for buildings i Unlimited
Cover for keys if lost i Sum insured
Money in the home i £2,500.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 15000

Direct Line

Home Insurance Plus

4 stars
Matching sets 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
Alternative accommodation cover limit for buildings i £80,000.00
Cover for keys if lost i Sum insured
Money in the home i £1,000.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 10000

Direct Line

Home Insurance

3 stars
Matching sets 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
Alternative accommodation cover limit for buildings i £40,000.00
Cover for keys if lost i Sum insured
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 5000

Buildings insurance

Direct Line

Select Premier

4 stars
Trace and Access i £15,000.00
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 £250.00
Escape of water excess i £250.00
24hr helpline i
Property owner liability i £5,000,000.00

Direct Line

Home Insurance Plus

4 stars
Trace and Access i £10,000.00
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i £80,000.00
Cover for keys if stolen i Sum insured
Compulsory excess i £100.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £5,000,000.00

Direct Line

Home Insurance

3 stars
Trace and Access i £5,000.00
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i £40,000.00
Cover for keys if stolen i Sum insured
Compulsory excess i £100.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £2,000,000.00

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 £2,500.00
Cover for keys if stolen i Sum insured
24hr helpline i

Direct Line

Home Insurance Plus

4 stars
Theft from outbuildings cover limit i £5,000.00
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 £30,000.00
Money in the home cover limit i £1,000.00
Cover for keys if stolen i Sum insured
24hr helpline i

Direct Line

Home Insurance

3 stars
Theft from outbuildings cover limit i £2,500.00
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 £15,000.00
Money in the home cover limit i £500.00
Cover for keys if stolen i Sum insured
24hr helpline i

Life insurance

Over 50s life insurance

Direct Line

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
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

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 £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 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 Doesn't change
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 £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 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 Doesn't change
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 Doesn't change
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 Doesn't change
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 £50.00
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
Lost or stolen cash 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

2 stars
Medical excess i £50.00
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
Lost or stolen cash 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
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Lost or stolen cash i £250.00
Combined passport & travel cover limit i £500.00
Missed departure cover limit i £600.00

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
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Lost or stolen cash i £0.00
Combined passport & travel cover limit i £500.00
Missed departure cover limit i £600.00

Travel insurance add-on: winter sports

Direct Line

Single 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 £75.00
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

Annual 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

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)