7th
Home Insurance
(8,144 reviews)
Review Score
7.3
Direct Line Reviews
See which providers perform best in our Home Insurance comparisonDirect Line offers three levels of cover to accommodate for your individual needs and budget.
Verified
25/09/2020
Great Company Great Price
Have used Direct Line for a couple of years now, good cover and good price, even bettered their quote this year when we rang up and asked!!
That's great to hear, Julie.
Verified
23/01/2021
You Only Know How Google An Insurance Company Is When You Make A Claim. .
Had a drainage problem.Their first surveyor said I had a claim. Never saw this at the time. They sent a second surveyor who said no claim !! I naturally asked to see first survey. Over a period of 5 weeks the claims adjuster .... Procrastinated. Denied any knowledge. Mentioned data protection. Too big a file to send. Post it please !! Send her pasted copy without the favourable conclusion. Eventually sent the original showing her deceit and manipulation. Complained to DL and also CEO. They said nothing wrong with this .... A corporate culture of dishonesty and customer respect. Said it had to be redacted.
Verified
01/04/2021
Not Like For Like, Not Replaced Or Repair
Sony TV accidentally damaged.
We had made an investment and bought a Sony TV
4 years down the track it was accidentally damaged by the grandchildren.
Direct Line accepted the claim but won’t replace like for like.
We bought a Sony as previously had an LG which went wrong all the time and spent most of its life being repaired rather than watched.
I just want it replaced or repaired as per my policy
Direct Line state and I quote ‘it’s an LG or nothing as it’s similar and cheaper than a Sony.
I asked about making a complaint and was told to contact the ombudsman even though my policy clearly states a complaints procedure.
It’s not insurance as they will neither replace nor repair.
I asked would they do they operate the same policy on car insurance !
Would my BMW be replaced with a fiesta because it’s similar but cheaper !
About
Direct Line strives to make its customers feel safe in their own homes and wants to give them peace of mind that if the worse were to happen, their home and personal belongings are secure.
Pricing
Quotes our team received
Price Band
£
£
£
£
£
Quotes our team received
Details
Covers the contents of your home only
Contents only quote
£56.00
per yearBuildings' 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 yearBuildings' cover limit
No Limit
Contents' cover limit
No limit
Benefits of Direct Line Home Insurance
- 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
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
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What type of home insurance does Direct Line offer?
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.
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Does Direct Line offer an options 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.
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Does Direct Line offer cover for high value homes?
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.
