Review: Direct Line Car Insurance

Ronny Lavie By Ronny Lavie

Key policy features

  • Direct Line will provide a hatchback for up to 21 days if your car is stolen or written if you have Comprehensive cover
  • If Direct Line can't fix your car in 7 days they'll pay you £10 a day, until it is repaired, up to £70
  • No admin fee for temporary or permantent changes to your policy during the year


Direct Line has been in the insurance business for more than 30 years and they take a strong stance of not appearing on comparison websites.

You can get a quote at the Direct Line website.

Overview of the cover provided by the Direct Line Car Insurance policy

Direct Line offer a range of insurance products, including van, home, travel and pet and often offer deals and discounts on their website, such as their multi-pet discount for pet insurance and special rates on multi car insurance.

Their recent advertising campaign featuring Winston Wolf highlights their aspiration to "solve customers' problems".

Direct Line offers two types of cover: Third Party Fire and Theft and Comprehensive.

Third Party, Fire & Theft gives you the third party liability cover and also covers you if your vehicle if damaged or destroyed in a fire or is stolen. You get access to a 24/7 emergency helpline, as well as a guarantee on repairs for five years, if you use an approved repairer. In-car equipment is included in the cover.

Comprehensive cover offers all of the above (including the helpline, five-year repair guarantee and in-car equipment cover), but also covers your own vehicle for damage caused in an accident. Direct Line’s comprehensive cover includes replacement of child car seats, hotel expenses, vandalism protection, personal possessions cover, windscreen cover and medical expenses (each with its own limits – check policy documents for details).

They also have an uninsured driver promise, which means if you have an accident with a driver who is uninsured and it wasn’t your fault, your excess will be covered and you won’t lose your no-claims discount. You will need to provide Direct Line with the uninsured driver's registration number and the make and model of their car.

When you take out a Direct Line car insurance policy, you can choose to add some extra features to your cover. These include a guaranteed hire car (for either 14 or 21 days), protected no claims discount and breakdown cover (in partnership with Green Flag).

Guaranteed hire car cover comes as standard with its comprehensive policy.

Direct Line also offer a telematics policy (also known as black box insurance) that may be useful for young drivers. Check out our list of the best black insurance policies.

You can get a personalised Direct Line car insurance quote on their website.

Direct Line made the top 10 of our list of the best car insurers, click the link to find out where it came.

How much does Direct Line car insurance cost?

As with all car insurance providers, it’s difficult to make generalisations about policy costs because they depend so heavily on the circumstances of the driver(s) buying, the car being insured, the area they live in and so on.

Direct Line made the decision to never be included in comparison websites, so they rely on direct contact from customers. Unlike many insurers, they are not paying the price comparison sites for the business they send to them. Direct Line says this enables them to pass on savings to their customers.

You can check how much a direct line car insurance policy will cost you on the Direct Line website.

What do Direct Line car insurance reviews from customers say?

Direct Line insurance customer reviews are a mixed bag.

On, customers provide feedback across four areas: customer service, flexibility and fairness, product features and value for money. Direct Line car insurance scores 3.9 stars out of 5, based on 364 customers reviews.

Over on, Direct Line scores 1.5 out of 5 stars, with a recommendation from 15% of the 604 customers who left a review.

What do Direct Line car insurance reviews from the experts say? conducted a reader survey in 2013 to find the best car insurance companies. Direct Line placed right in the middle of the list – number 20 out of 40.

According to Fairer Finance, which rates companies based on factors such as transparency and complaints handling, Direct Line ranked 17th in a list of 52 UK car insurance providers. That gives it a bronze ribbon.

Direct Line’s car insurance policies are rated 5 Star by independent financial review service Defaqto.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 5 Star rated policy is "an excellent product with a comprehensive range of features and benefits".

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