Direct Line Reviews

Direct Line offers three levels of cover to accommodate for your individual needs and budget.

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7.4 /10

Based on 21431 reviews

#6 of 10 contents insurers

Sentiment Score: 1.9/10
21431 reviews found on websites such as TrustPilot
Awarded a 5 Star Defaqto rating
Buy online and save 35% with their combined contents and building insurance offer
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
If you have an uncontrollable leak, with Home Insurance Plus, Direct line will send an emergency plumber within three hours

Price Band

£ £ £ £ £

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

Ian Gilbert

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 …

Recieved a response within 1-2 days after their claim was submitted
Claim wasn't successful
Was neither happy or unhappy with their experience when they spoke to someone

Marija Langton

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 …

Recieved a response the same day their service query was submitted
Was neither happy or unhappy with their experience when they spoke to someone

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Quotes our team received

Details

Covers the contents of your home only

Contents Only Quote

£56.00

Per Year

Contents' Cover Limit

£100k

Voluntary Excess

£250

Details

Covers the physical structure of your home as well as the contents

Buildings & Contents Quote

£253.12

Per Year

Contents' Cover Limit

£100k

Voluntary Excess

£250

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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?

Cover on a new-for-old basis for household goods, including carpets, personal belongings and furniture in your home, garage and shed.
Up to £50,000 cover against fire, smoke damage, theft, flood, lighting damage and escape of water or oil.
Up to £500 cash covered in your home, plus cover for items in your garden up to £1,000.
An automatic increase of 10% of the sums insured for 30 days either side of religious festivals and family weddings.
Access to Direct Line’s emergency 24/7 helpline.
Cover for freezer contents, replacement locks and keys following theft of keys and up to £5,000 for possessions temporarily removed from the home to another residence, for example, cover for your children’s belongings when they go to university.

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?

The structure of your home, walls, roofs, fences, gates and outbuildings, plus all permanent fixtures, including kitchens, bathrooms and fitted wardrobes.
Covers the cost of alternative accommodation if required following an insured event.
Access to Direct Line’s emergency 24/7 helpline.
Covers damage caused by fire, lightning, storm or flood (excluding damage to fences and gates), theft, explosion, escape of water or oil, subsidence and vandalism.

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.

Contents Insurance Guides

Check out our insurance guides for more information