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Direct Line Insurance Reviews


Direct Line offers a wide range of insurance products. It started as a car insurer but now also offers Home, Life, Pet, and Travel insurance.

They have a solid customer service score and are one of the top 10 companies for their critical cover limits. However, their complaints ratio with the Financial Ombudsman Service is one of the worst among the largest car insurance providers.

Car insurance

Direct Line started in 1985 and has a range of insurance products to suit everyone. It offers car, home, pet, travel, life, over 50s, landlord, and small business insurance online or over the phone.

Drivers can choose between DrivePlus and Select Premier policies. Both offer a telematics device that monitors your driving habits and scores. Safer drivers may be rewarded with a discount at renewal.

The company also offers guaranteed rental car cover if you need to claim your car. This option costs a small extra payment and will provide you with a hire car for up to 21 days when your car is being repaired by a repairer approved by Direct Line.

It’s worth checking the prices of various car insurers before buying a policy. The price you pay for car insurance can vary significantly depending on factors like your age, the type of car you drive and where you live.

Home insurance

Home insurance is an essential part of your property protection strategy. There are different types of policies based on your needs, and it’s important to understand them well so you can find the right coverage for your home.

When shopping for a home policy, make sure you choose one that covers your home’s replacement cost. This amount will be equal to the cost of rebuilding your home if it’s destroyed.

Similarly, be sure your personal property coverage amounts are equal to the value of your belongings. You’ll also want to factor in any high-value items, such as jewelry or rare artwork, into your policy amounts.

If you’re in the market for a new home insurance policy, request a quote from multiple companies to ensure you’re getting the best rate possible. In addition to comparing rates, you’ll also want to look for discounts that can reduce your premiums further.

Life insurance

Buying life insurance is a crucial step in protecting your family’s future. It provides financial support for your beneficiaries if you pass away and can also be used to pay off large debts such as mortgages.

The best type of life insurance for you will depend on your specific needs and preferences. There are many options, including term and whole life insurance, as well as pure protection plans.

Direct Line offers a wide range of life insurance policies. They include level term and over 50s life insurance, plus building insurance and breakdown cover.

It’s worth noting that Direct Line doesn’t appear on comparison sites, which can make it hard to compare prices. However, sister brands such as Privilege and Churchill are available on comparison sites, which means you can get a cheaper policy with the same features.

Travel insurance

Direct Line offers both single and annual multi-trip travel insurance policies. These cover trips to anywhere in the world for up to 90 days (for travellers under 60) or 42 days (for those aged 60+).

Children under 18 who are travelling with an insured adult are covered on all travel policies, regardless of age. This also covers children attending organised activities such as snorkelling, beach games, swimming, and other events supervised by adults.

A good travel policy should have a wide range of options available. Some include cancellation/delay/curtailment, insolvency and baggage protection as standard.

For those who go skiing or snowboarding, a winter sports travel insurance add-on is available for an additional premium. However, the policy may be more expensive than other options if you are prone to insolvency or you travel a lot.

The policy can be purchased online and includes a 30% missed payment allowance. A 20% online discount applies to new policies.