Direct Line Home Insurance Review


Direct Line offers three levels of home insurance policies – Home, Plus, and Select Premier – along with optional extras that can be added to them. Get the Best information about Direct Line Claims Line.

This company operates UK-based call centers that are available during office hours, offering services like Typetalk for those with communication challenges as well as emergency claim support lines for customers with emergency claims.

Contents cover

Direct Line offers an assortment of home insurance policies. Building and contents policies may be purchased separately or combined, and optional extras can be added later as upgrades. Furthermore, discounts are offered to both new and existing customers alike, earning Direct Line high marks in customer satisfaction surveys. Finder recognized their efforts with an award for excellence!

Buildings and contents insurance are typically only available to owners-occupiers; however, tenants can protect their possessions with budget direct landlord insurance policies that offer public liability of up to PS2m, alternative accommodation coverage in case of disasters, and contents coverage in the event of catastrophe. Budget Direct also provides additional services like legal documents services and business guides.

Buildings and contents policies are usually based on bedroom count; however, some policies instead take into account the total value of all your possessions within your home. While these types of policies tend to be more costly, they could offer enhanced protection.

Many buildings and contents policies provide cover for items stored in sheds or garden offices. If these structures contain valuables, however, it is essential that they are listed separately on your policy and that they meet specific thresholds, such as single-item limits for jewelry or paintings, if your desired insurance value exceeds these. Contact your insurer immediately so they can arrange to extend this cover accordingly.

Buildings cover

Add buildings cover to your home insurance policy in order to claim for the cost of rebuilding or repairing your house and its fixtures and fittings, often required when taking out a mortgage loan. It will also protect any outbuildings in your garden, such as sheds and garages. Any planned building work must be disclosed, as this could alter its value and, therefore, your premium.

Direct Line offers an array of optional extras for its home insurance policies, which may increase your premium but provide extra protection. These extras may add some cost but may provide valuable additional safeguards for your home.

Direct Line Insurance offers not only home, car, and van policies but also comprehensive breakdown cover and legal protection plans. They boast one of the strongest reputations among UK providers, with their speedy customer service and straightforward claims procedures being highly acclaimed among customers.

Defaqto has awarded Direct Line home insurance with an exceptional rating from independent financial product reviewer Defaqto, meaning it meets all standards in customer service, policy features, and value for money. Unfortunately, Direct Line doesn’t appear on comparison websites, making it more challenging to compare its pricing and coverage with other insurers quickly.

Optional extras

Additional options to enhance buildings, contents, and combined coverage policies may include accidental damage cover, home emergency cover (including boiler cover ), and legal protection coverage; however, these additional extras typically increase premium costs.

Direct Line offers additional coverage that protects possessions up to PS1m, providing a courtesy car if needed during repairs at home. This service can be especially beneficial if you live in a flood zone or earthquake risk zone, but be mindful of notifying them as failure could invalidate any claims made on them.

Direct Line was one of the pioneering providers to introduce online claims registration and tracking for its motor insurance policies, but it is best known for providing comprehensive home and contents coverage, making it a good option for landlords looking to protect their properties. Direct Line also has an outstanding customer service reputation: in 2024, they earned an award of excellence from the Finder Customer Satisfaction Awards!

Direct Line’s absence from comparison sites may be advantageous to some consumers, as it doesn’t pay commissions to these websites when selling policies. Churchill and Privilege, its sister brands, are available but don’t provide identical products.

Customer service

Direct Line Insurance Services Limited is one of the UK’s premier providers, offering home, car, and travel policies as well as breakdown cover. They were the first insurers to introduce direct claim service as well as online claims tracking technology – something for which their products have won numerous accolades and awards, including being awarded the Finder Customer Satisfaction Award in 2024 for home insurance!

Established in 1985, Direct Line Insurance quickly rose to become the pioneering UK insurer offering products via telephone and internet sales channels. Their iconic red telephone mascot helped establish their brand. By the 1990s, they had expanded further with multiple offshoots targeting different markets in Europe and America; today, there are over 10 million policies in force worldwide with offices globally.

Even with its expensive policies, this company is highly regarded by customers for both customer service and policy coverage. They have received over 11,800 reviews on Trustpilot; customer service representatives have become known for being prompt and helpful.

The company provides its services from two locations: one based in the UK that’s open during office hours, as well as an emergency helpline available after hours; additionally, Typetalk services help those with communication disabilities communicate more easily; plus its website makes finding information a snap for customers.

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