Key policy features
- Direct Line will provide a hatchback for up to 21 days in a row if your car is damaged or stolen and if you have Comprehensive cover with guaranteed hire car shown on your motor insurance schedule (Underwritten by U K Insurance Limited). Excludes windscreen claims and customer delayed claims.
- Introductory discounts available on every additional car added to a policy. Up to 10 vehicles per household. (Minimum premiums apply. Underwritten by U K Insurance Limited)
- No admin fee for temporary or permanent 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.
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. Direct Line's multi car insurance offers an introductory discount if you have more than one car to insure at the same address. Each car is insured individually rather than combined under one policy. A maximum of up to 10 vehicles per household are permitted under this discount. (Minimum premiums apply. Underwritten by U K Insurance Limited)
Their advertising campaign featuring Winston Wolf highlighted 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 is 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. If you've been involved in a crash and can't drive your car because of it, you'll get a taxi so you can complete your journey. (Taxi booked to one destination within the UK. Underwritten by U K Insurance Limited.)
Direct Line’s comprehensive cover includes replacement of child car seats, hotel expenses, vandalism promise, 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. You can protect your no claims discount, purchase motor legal protection and purchase breakdown cover (in partnership with Green Flag).
Guaranteed hire car cover comes as standard with its comprehensive policy (Underwritten by U K Insurance Limited).This includes a guaranteed hire car whilst repairs are being carried out at an approved repairer, or for up to 21 days in a row if at a repairer of your own choice. Excludes windscreen claims and customer delayed claims
You can purchase a guaranteed hire car upgrade when you purchase your policy, to receive a car similar to yours if needed.
Direct Line also offers 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. If you're aged 25 or under with a full licence you can get an upfront discount in your first year when you add DrivePlus telematics to your policy. (Underwritten by U K Insurance Limited)
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 with 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 uses review site Reevoo to collect customer feedback and on its car insurance page it says its average score is 9 out 10 based on over 26,000 reviews.
On Reviewcentre.com, Direct Line scores 1.5 out of 5 stars based on over 600 reviews.
Over on their Facebook page, feedback is generally quite negative, based on feedback left in January 2018.
What do Direct Line car insurance reviews from the experts say?
Autoexpress.co.uk conducted a reader survey in 2017 to find the best car insurance companies. Direct Line placed near the top of the list, ranked at number 8 out of 25.
According to independent review site Fairer Finance, Direct Line ranked 10th in a list of 52 UK car insurance providers for customer experience in spring 2018. That gives it a silver ribbon.
Fairer Finance also gives a star rating for the quality and cover levels of insurance products. Direct Line's car insurance scores 4 out of 5.
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.
According to Defaqto A 5 Star rated policy "provides quality cover with a comprehensive range of features and benefits".
This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for any sales that result from you clicking on a link to one of our partners.