Key policy features
- Unlimited buildings cover and £100,000 contents insurance with the Home Insurance Plus policy
- Accidental damage cover is covered as standard under its Plus policy
- New combined buildings and contents customers can save 35% when they buy online*
*The 35% online discount is a limited introductory offer and is for combined buildings and contents cover with no extra covers. Minimum premiums will apply and the offer excludes SELECT. (Underwritten by U K Insurance Limited)
Direct Line offers home insurance over the phone and online, but the company does not believe in listing its policies on price comparison websites so the only way to get a quote is directly from Direct Line.
It feels that by cutting out these middlemen it can save customers money on its policies.
New customers who select buildings and contents policy with no extras can save 35% when buying online, although minimum premiums apply. Excludes SELECT Premier customers. The offer is introductory, so the discount will only apply when you first become a customer. (Underwritten by U K Insurance Limited)
You can get a quote for home insurance at the Direct Line website. Or check out our list of the best home insurance companies.
Direct Line's home cover is underwritten by U K Insurance Limited.
Direct Line started in 1985 as a telephone-only insurance service but now has an online quote form.
Overview of the cover provided by Direct Line home insurance policies
There are three levels Direct Line home cover: Home Insurance, Home Insurance Plus and Select Premier.
Direct Line’s standard Home Insurance policy covers building insurance up to £1m and contents up to the value of £50,000, with a 24-hour emergency helpline available in the event of a claim.
For greater coverage, Direct Line’s Home Insurance Plus policy includes unlimited buildings cover, up to £100,000 for contents and many features that are optional extras within its home insurance cover as standard. It offers up to £500 a callout for its home emergency cover, which can be useful if essential parts of your home such as your heating or electrics fail. Direct Line will pay for an engineer to fix the problem if it is under the £500 limit.
Accidental damage cover is also covered as standard under Plus. If any of your household items, excluding jewellery, are damaged, beyond repair, or stolen, they will offer to replace them or give you cash up to the value of the items. (Cash limited to the cost of the replacement to Direct Line. Cover limits apply. Delivery available to UK mainland only.)
Select Premier is a specialist insurance premium designed for higher value homes, with the flexibility to cover single items such as antiques, fine art and jewellery under a single policy.
How much does home insurance from Direct Line cost?
As with all insurance policies, there is no set cost for Direct Line home cover. Your premium will depend on a number of factors, such as the level of cover you require, any previous claims, the value of the goods you want to insure and the age and location of your home.
To reduce costs, Direct Line offers a number of discounts, including up to 35% reduction when new customers take out a buildings and contents policy online. Excludes SELECT Premier customers. Limited introductory offer is for combined buildings and contents cover, which excludes optional covers.
Minimum premiums apply. Excludes SELECT Premier. Underwritten by U K Insurance Limited.
What do Direct Line customer reviews say?
Direct Line as a whole has a score of 9 out of 10 on ratings and review website Reevoo, based on more than 8,000 customer reviews.
On Reviewcentre.com, Direct Line home insurance scores 1.3 out of 10 from over 160 customer reviews. On Trustpilot Direct Line scores 1.6 out of 10 from over 440 reviews. Trustpilot's score is for the company as a whole, not just its home insurance.
What the expert reviews say
Independent financial review firm Defaqto gives all Direct Line home insurance policies its top score of 5 stars.
Direct Line's Select Premier and Home insurance Plus have been given 4 stars out of 5 by independent review site Fairer Finance. It's Home Insurance policies gets 3 stars.
Fairer Finance awards stars based on the comprehensiveness of cover levels and features. In spring 2018 it also gave Direct Line home insurance a customer experience score of 60% and a silver ribbon.