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Quoteline Direct car insurance review
Quoteline Direct covers convicted drivers and specialist cars, as well as a range of other drivers and cars. Here's what you need to know.
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The broker Quoteline Direct says its policies can cover a range of drivers including convicted drivers, taxi drivers and young drivers. It can also arrange cover for impounded cars or specialist cars. We’ve analysed what you get.
What is Quoteline Direct?
Quoteline Direct caters to a range of drivers and specialist vehicles such as modified, imported and high-performance cars.
The broker, which has operated 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.
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.
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.
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 customer reviews
On the reviews platform Trustpilot, Quoteline Direct gets 4 stars out of 5 overall, from more than 1,500 reviews (covering other types of insurance as well as car policies). While many praised the service, some flagged high fees for cancelling a policy or making a change. (Last updated: July 2021.)
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
Our verdict
Quoteline Direct offers the usual levels of cover and can cater to those with a patchy driving history, including convicted drivers. If you’re a high-risk driver or looking to insure a specialist vehicle, Quoteline Direct could help you to save on your premium.
If you have read this review and decided that Quoteline Direct car insurance is not for you, you can also compare other car insurance policies on the market.
*51% of consumers could save £257.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
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