Direct Line’s home insurance comes in three levels to suit all budgets and needs, including SELECT Premier Insurance – its highest level of cover. Its building insurance and contents insurance is available separately or combined. Policies can be upgraded with optional extras such as legal protection cover, accidental damage and home emergency cover. Direct Line also offers customers a discount of up to 35% for buying home insurance online. Here’s what else we think you should know.
Direct Line offers a wide range of financial products including home, car, travel and pet insurance. The Direct Line Group owns several well-known brands, including Churchill (of nodding-dog fame).
Established in 1985, Direct Line was one of the first direct car insurers in the UK. Today, it has more than 10 million customers.
Direct Line offers three different types of home insurance. These are Home Insurance, Home Insurance Plus and SELECT Premier.
All three of these options include buildings and contents insurance; however, buildings insurance and contents insurance can also be bought separately or combined as needed.
|Cover features||Home Insurance||Home Insurance Plus||SELECT Premier|
|Buildings sum insured||£1 million||Unlimited||Unlimited|
|Contents sum insured||£50,000||£100,000||Unlimited|
|Trace and access of leaks||£5,000||£10,000||£15,000|
|Alternative accommodation||£40,000||£80,000||Unlimited up to three years|
|Matching sets and suites||x||✓||✓|
|Accidental damage cover||x||✓||✓|
|Home emergency cover||x||✓||Up to £1,500|
|Family legal protection cover||x||✓||✓|
Direct Line offers a range of additional protection to bolt onto your home insurance policy, including:
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 van 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.
There are a number of factors that can affect the cost of your Direct Line home insurance premium, including:
You should call the 24-hour Direct Line claims line on 0345 878 5081 in an emergency. For general home insurance claims, you can call 0345 246 8412. Lines are open Monday to Friday 8am-8pm and Saturday 9am-5pm.
If you are the policyholder or named within the policy document, you will also have the opportunity to make a claim online via the Direct Line website.
Direct Line recommends you have the following information to hand when making a claim:
It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.
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