Covers the contents of your home only
Direct Line Reviews
Direct Line offers three levels of cover to accommodate for your individual needs and budget.
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Sentiment Score: 1.9/10
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21431 reviews found on websites such as TrustPilot
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Awarded a 5 Star Defaqto rating
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Buy online and save 35% with their combined contents and building insurance offer
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Once a claim has been approved, Direct Line will send replacements for your tech items like phones and laptops within two hours to reconnect you
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If you have an uncontrollable leak, with Home Insurance Plus, Direct line will send an emergency plumber within three hours
Price Band
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£
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Good for
- Rated 5 stars by Defaqto
- No limit to buildings' or contents' cover
84% of consumers read reviews before purchasing
*Based on an independent survey of 1000 people by Compare By Review
Cover Purchased
Reviewed without invitation
Reviewed the
Claims
experience on 26 Aug 2023
Poor Service
poor response from the claims people ,given conflicting information from your people causing major problems with what to claim. your claims assessor was very rude after years of using direct …
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Recieved a response within 1-2 days after their claim was submitted
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Claim wasn't successful
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Was neither happy or unhappy with their experience when they spoke to someone
Cover Purchased
Reviewed without invitation
Reviewed the
Service
experience on 22 Mar 2023
Not Impressed
Wanted to deal with home insurance, tried accessing my account but couldn't remember password. Twice asked for link to get new one no link received. Telephoned but voice said there was a 30 min wait …
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Recieved a response the same day their service query was submitted
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Was neither happy or unhappy with their experience when they spoke to someone
Quotes our team received
Details
Contents Only Quote
£56.00
Per Year
Buildings' Cover Limit
No Limit
Contents' Cover Limit
No limit
Details
Covers the physical structure of your home as well as the contents
Buildings & Contents Quote
£253.12
Per Year
Buildings' Cover Limit
No Limit
Contents' Cover Limit
No limit
What policies does Direct Line offer?
Direct Line offers three different home insurance policies, contents and buildings combined, contents insurance only and buildings insurance only. Once you’ve selected the type of home insurance you would prefer, you have three cover levels to choose from; Home Insurance, Home Insurance Plus and Select Premier. Each cover level comes with varying limits so that you can find a policy that best suits your needs.
Direct Line contents insurance
Contents insurance covers all non-fixed items in your home, such as furniture, entertainment equipment and personal belongings. Choose from Direct Line’s Home Insurance, Home Insurance Plus and Select Premier policies.
| Direct Line contents insurance | Home Insurance | Home Insurance Plus | Select Premier |
|---|---|---|---|
| Loss or damage to contents caused by natural events | Up to £50,000 | Up to £100,000 | Unlimited |
| Office equipment in the home | Up to £5,000 | Up to £10,000 | Up to £15,000 |
| Money in the home | Up to £500 | Up to £1,000 | Up to £2,500 |
| Contents in the garden | Up to £1,000 | Up to £2,500 | Up to £2,500 |
| Replacement lock and keys | Unlimited | Unlimited | Unlimited |
What else does Direct Line contents insurance cover?
Direct Line buildings insurance
Buildings insurance covers the physical structure of your home. Choose from Direct Line’s Home Insurance, Home Insurance Plus and Select Premier policies.
| Direct Line buildings insurance | Home Insurance | Home Insurance Plus | Select Premier |
|---|---|---|---|
| Loss or damage to walls caused by natural events | Up to £1m | Unlimited | Unlimited |
| Replacement locks | Included as standard | Included as standard | Included as standard |
| Damage to plumbing installation caused by freezing/bursting | Included as standard | Included as standard | Included as standard |
| Accidental damage | Optional extra | Included as standard | Included as standard |
| Alternative accommodation | Up to £25,000 | Up to £50,000 | Unlimited |
What else does Direct Line’s buildings insurance cover?
Frequently asked Questions
Direct Line offers Buildings and Contents cover combined and separately. They then offer two levels of cover; Home Insurance, their standard cover and Home Insurance Plus which is a higher limit policy that includes an array of extras.
Yes they do, you can choose to add any of the below to any Home Insurance policy; (note that all the below are included in Home Insurance Plus).
- Accidental Damage - covers accidents such as burning your kitchen worktop or spilling red wine on your carpet.
- Home Emergency - covers home emergencies like broken boilers or damaged door locks.
- Family Legal Protection - provides a 24/7 advice line and legal costs up to £100,000 to pursue claims for things like faulty food or services, personal injury or disputes with a neighbour.
Yes, they have a policy called SELECT Premier which is designed for high-value homes to cover items such as antiques and fine jewellery. You can also combine multiple policies for insurance products under this one policy.