We asked Direct Line customers who have recently made a claim how they felt about their car insurance. However, its lack of admin fees for mid-term policy adjustments, personal accident cover of £10,000 and generous no-claims discount protections were highlights in our analysis. The cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property. When overall levels of traffic change, the number of claims can change too. Crime rate A spate of crimes resulting in more car insurance claims could result in higher premiums to reflect the risk level of your car’s location.
- You can also tailor your policy with optional extras to suit how and when you drive.
- Your car details Your car’s registration number (or its make, model and year), as well as its value, purchase date and annual mileage.
- We’ll help if either you or your partner are injured or killed in a car accident.
- If you use your garage, you’ll still get a hire car for up to 21 days consecutively.
- Previous claims or convictions You must tell us about these events, or it could invalidate your policy if you need to make a future claim.
- We analyse and rate 94 key elements of car insurance policies to come up with the overall policy score.
Car cover levels only available from us direct
You’ll need your policy number and documents, your vehicle registration and your crime reference number, if applicable. Direct Line’s Essentials policy scored 55%, and its Essentials Online scored 53%. ‘-‘ represents where we have insufficient sample size (less than 40) to generate a star rating. However, another customer wasn’t so satisfied, stating that they had to ‘constantly chase information’ about a claim. Direct Line earned a customer score of 74% which puts it in 9th place in our table of 12 car insurance providers. These are Premium Online (which scored 67%), Standard Online (65%) and Essentials Online (53%).
Does Direct Line offer the best car insurance?
We’ve partnered with MoneySuperMarket to help you compare a wide range of car insurance options in one place, with myvip casino added insight from Which? We reviewed six Direct Line policies, but only one made it into the top 10 of our table You can speak to Direct Line using webchat or their WhatsApp messaging service.
As they’re online products, you’ll manage everything to do with your policy online. These extras are optional, so it’s up to you what you include. You can also tailor your policy with optional extras to suit how and when you drive. “Easy process to insure my vehicle – great price for a great policy” “Taking out the car insurance was easy to do and price was very competitive.”
With Comprehensive Plus it’s 24 months. It was among the top 10 policies we reviewed, with a score of 69%. Of the six Direct Line policies we reviewed, its Comprehensive Plus policy did best in our analysis. See how this compares with the best car insurance, or read more about how we rate car insurance. We’ve reviewed all six of these Direct Line policies. Direct Line has been one of the biggest names in car insurance since it launched in 1985 as the first insurance provider to offer policies exclusively by phone.
Prove you’re safe
Regulatory changes These are changes the Government makes, such as larger payouts or removing legal costs for specific claims. No matter what your age, safe drivers could save money at renewal with our DrivePlus telematics technology. If your keys are lost or damaged, we’ll cover the cost to replace them. If you can’t drive after an accident and you need to stay in a hotel, we’ll help cover those costs. We’ll pay if your clothes or belongings are damaged due to a fire, theft, or accident. If you’re involved in a car crash and you’re unable to drive your car, we’ll arrange a taxi to take you, your passengers, pets and belongings to one destination in the UK.
What does Direct Line car insurance cover?
- Direct Line has been a trusted name in car insurance since 1985.
- Maybe – we’re fans of the cover offered by its top policies, but we have some concerns about its service.
- Direct Line earned a customer score of 74% which puts it in 9th place in our table of 12 car insurance providers.
- Traffic levels The level of traffic on UK roads will change over time, influenced by things like the cost of petrol.
- However, the risk of being involved in an accident tends to increase after the age of 70.
We analyse and rate 94 key elements of car insurance policies to come up with the overall policy score. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we’ve rated. We review a lot of policies, and our Best Buy recommendation recognises the individual products that stood out as being the most comprehensive in our analysis. Maybe – we’re fans of the cover offered by its top policies, but we have some concerns about its service.
Direct Line optional extras
A child car seat provides essential safety for a child in the event of an accident. Whether you’ve saved up for it, taken out a loan to finance it or the bank of mum and dad are stepping in, it’s something you’ll never forget. In the insurance industry, this rule change is known as Pricing Practices Regulation, or PPR. From January 2022, all insurers must make sure existing customers are offered the same price at renewal as they would get when buying a new policy.
Driver age and experience On average, experienced drivers are less likely to have an accident than newer drivers. We assess how important different policy elements are to drivers when choosing and using car insurance, and weight different areas of cover accordingly. Direct Line offers a discount if you insure multiple cars with it, but the size of this discount varies. The average customer and claims scores were 76% and 75%.
The price of your Direct Line car insurance quote depends on how likely you are to make a claim and how expensive that claim could be. Your No Claim Discount Details of any claim-free driving could reduce your premium. We’ll cover you for any damage caused to your car by using the wrong fuel.