Direct Line offers standard car insurance policies to a range of drivers as well as specialised multi-car, black box and premier policies. The insurer says it offers exclusive deals to existing customers, won’t charge extra for mid-term amendments and, if you have comprehensive cover, promises to protect a no claims bonus if you have to claim after being hit while parked. Here’s everything else you need to know about this 5-star Defaqto-rated car insurer.
Direct Line began in 1985 and sold car insurance from the start. Since then, it has branched out to van, travel, pet, landlord and home insurance.
This award-winning company is one of the UK’s leading car insurers.
Direct Line policies are underwritten by U K Insurance Limited.
U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority.
|Product Name||Direct Line Third Party Fire and Theft||Direct Line Comprehensive|
|Damage to your car||✓|
|Damaged windscreen and window glass||✓|
|Fire and theft||✓||✓|
|Personal accident and road rage||✓|
|Liabilities to third parties||✓||✓|
|Using the car abroad||✓|
|Hotel and alternative travel costs||✓|
|No claims discount||✓||✓|
|No claims discount protection||✓ if eligible||✓ if eligible|
|Permanently fitted audio equipment||✓||✓|
Direct Line offers a range of additional protection to bolt onto your policy, including:
DrivePlus insurance. Direct Line offers telematics (or “black box”) insurance to drivers aged 25 or under. The black box or plug-in device monitors and rates driving habits. The higher the safety score, the less the premium is likely to be at renewal.
Select Premier insurance. Direct Line offers this highest level of car insurance specifically designed for owners of high-value cars.
If you have more than one car in your household, you might be able to get a discount on your premiums through the Direct Line multi-car insurance cover.
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
Call the Direct Line claims line on 0345 246 8471 to register a claim.
This claims line is open 8am – 9pm Monday to Friday, 9am – 5pm Saturdays and 11am – 5pm Sundays.
You will need to provide the following information in order to make a claim::
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
Direct Line came third in the car insurance category in our 2020 customer satisfaction awards, with 4.5 out of 5 stars and 75% of customers saying they would recommend the service.
Here is some of the feedback we got from Direct Line car insurance customers:
“Very good service at an extremely reasonable price. My insurance cost has actually dropped over the last 2 years I have been with them.”
“They are very easy to deal with and customer service has always been hassle free.”
“I had a burglary at home – my car keys were stolen, along with my car. Car was found next day, no damage to it but they kept it for over 4 weeks, and took my 19 years no claims, and premium went up by £200.”
“Good expertise knowledge and able to satisfy my insurance needs. Easy and pleasant to do business with.”
Online reviews for Direct Line car insurance:
Feedback for Direct Line is mixed across a number of review platforms (updated 28 May 2020):
4.2 out of 5
2.2 out of 5
Customers love the helpful and efficient service, but there are several complaints about the company putting up their premium prices.
Direct line has a range of cover options and their comprehensive policy offers a lot of very valuable features.
As Direct Line is one of the top insurers in the country, and with their absence from comparison sites, they are not always the cheapest option. That said, simply opting for the cheapest cover is not always a good idea, so it’s worth getting a quote and considering value for money.
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