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Quoteline Direct car insurance review

Find out about the car insurance on offer through Quoteline Direct to see if it has a policy for you.

Quoteline Direct claims to find car insurance policies for a range of drivers including convicted drivers, taxi drivers and young drivers. It can also arrange cover for impounded cars or specialist cars. Here’s what you need to know.

What is Quoteline Direct?

Quoteline Direct caters to a range of drivers, including convicted drivers, young drivers and taxi drivers. It can also arrange insurance for drivers of specialist vehicles such as modified, imported and high-performance cars.

The broker, which has been in operation for more than 40 years, also offers van, home, travel, landlord, life and commercial insurance.

Quoteline Direct is a trading name of F Wilson (Insurance Brokers) Ltd, which is authorised and regulated by the Financial Conduct Authority.

What levels of cover does Quoteline Direct offer?

Third party.
Third party cover is the minimum level of cover that is offered through Quoteline Direct. To be on UK roads, all drivers are legally required to have at least this level of car insurance. If you are responsible for causing an accident, you’ll be protected for damage to third-party vehicles or property. You won’t be protected for any damage to your own car.

Don’t assume this is the cheapest option because it offers the least protection. Sometimes, this cover may work out to be more expensive than comprehensive. Check each cover level to see which offers the best value for you.

Third party, fire and theft. You’ll get the same level of cover as third party, but this will also provide protection against any fire damage or theft of your car.
Comprehensive.
This is the greatest level of cover on offer and will provide the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism.

It’s always worth getting a quote for comprehensive cover, as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.

What’s covered under my policy?

Cover benefitsThird partyThird party, fire and theftComprehensive
Liability to other people and property
Fire and theft
Accidental damage

Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through Quoteline Direct.

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

You can add the following extra protection to your car insurance policy through Quoteline Direct:

  • Breakdown cover
  • Legal expenses cover up to £100,000
  • Key cover
  • Tools replacement cover
  • Vehicle replacement cover
  • Excess protection

What policy exclusions are there?

Any cover arranged through Quoteline Direct is likely to become invalid if any of the following arises:

  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • Your car is used for rallies, races or competitions.
  • You fail to pay for your premium.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

Check your policy for further details to confirm your cover is valid.

How do I make a claim?

You can call Quoteline Direct’s main telephone number on 0161 874 8011 and request to make a claim. You can also email your claim to claims@quotelinedirect.co.uk.

You’ll need to have your insurance policy details as well as all facts about the incident to hand.

It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.

What is my excess?

Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.

A compulsory excess amount might vary depending on the age of your car and your driving experience.

You’ll find details about any compulsory or voluntary excesses in your policy document.

Quoteline Direct pros and cons

Pros

  • Hundreds of car insurance policies available
  • Car insurance for high-risk drivers and vehicles such as convicted drivers or impounded cars
  • Car insurance can be enhanced with optional extras

Cons

  • Limited information about car insurance policies on the Quoteline Direct website
*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers (“the cheapest selected quote”). Seopa then compared the cheapest quote on its system against this “”cheapest selected”” quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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