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7th

Direct Line Logo

Home Insurance

(8,144 reviews)

Review Score

7.3

Direct Line Reviews

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

Julie Dore

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.

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Peter Bennett

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.

Gareth Avery

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 !
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About

Direct Line Logo

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

Home Insurance Pricing Image One

Details

Covers the contents of your home only

Contents only quote

£56.00

per year

Buildings' cover limit

No Limit

Contents' cover limit

No limit

Home Insurance Pricing Image Two

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

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
Compare home insurance providers to see how Direct Line’s home insurance performs against their competitors.

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


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