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Direct Line home insurance review
We've checked out Direct Line's cover options for home insurance.
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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 | ✓ | ✓ |
Personal possessions | 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.
Direct Line received a highly commended award for the home insurance category in the Finder Customer Satisfaction Awards in 2024 , with 85% of customers saying they’d recommend the service to a friend. Feedback included praise for its coverage and fair prices, and many customers described Direct Line as “good value”.
One customer commented: “Very good provider with comprehensive cover, easy to deal with, good website and good helpful tips or advice on the website. Easy to manage your account online.”
Not all comments were totally positive. Another customer said: “I have had a good policy from Direct Line, but the renewal price was not competitive and they were hard to get hold of to discuss.”
Finder scores, in blue, are based on our expert analysis of policies. We also show reviews from users, where we've received more than 10, in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
To find out more, read our full methodology.
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