Optional extras

Here at Direct Line Home Insurance we want to provide you with cover that is right for you. So we’ve created additional cover options which can easily be added to complement your Home Insurance policy.

These additional levels of cover are only available as an optional extra with your Home Insurance for an additional premium, but they are provided automatically with our Home Insurance Plus policy.

Personal Possessions

This provides cover for your belongings against accidental loss or damage outside your home anywhere in the British Isles (and up to 60 days abroad).

The minimum sum insured is £2,500 with a £2,000 limit for a single article. However, this cover does not extend to business equipment, pedal cycles or sports equipment while in use.

If you are thinking of taking our Home Insurance Plus policy then Personal Possessions is already included in the premium and provides cover for your belongings against accidental loss or damage outside your home anywhere in the world. The minimum sum insured is £5,000 with a £3,000 limit for a single article.

This cover does not extend to business equipment but does include cover for pedal cycles, up to £1,000 per cycle.

Get an online home insurance quote today and add Personal Possessions cover to your premium.

Accidental Damage for Buildings and/or Contents

For peace of mind you can cover your home and contents against those all too frequent day-to-day accidents and major DIY disasters.

Accidental damage cover added to your contents insurance includes cover for:

• Accidental Damage to home entertainment equipment such as TVs, DVD players and computers
• Breakages to mirrors and glass
• Day-to-day accidents such as paint or wine spillages

Accidental damage cover added to your buildings insurance includes cover for:

• Accidental damage to underground drains, pipes and cables
• Accidental breakage to fixed glass and sanitary ware
• DIY damage, such as drilling through a cable or putting your foot through a ceiling.

Get an online quote today and add Accidental Damage cover to your premium.

Family Legal Protection

Legal issues can often be stressful and complicated, which is why we’ve designed Direct Line Family Legal Protection, providing you with advice and financial support at a time when you need it most. Our cover provides you with:

• A legal helpline that is available 24/7, providing immediate access to legally-qualified staff ready to advise you on any private legal problem, whether or not it results in a claim. And, you can use the helpline as many times as you like!
• Legal costs up to £100,000 to help you pursue a wide range of claims including:
  • Employment disputes
  • Personal injury
  • Contract disputes
  • Property disputes
  • Tax protection
  • Inheritance disputes
  • Legal defense
  • Motoring prosecution

On top of this cover, we also provide cover for:

• Legal defence for your work as an employee
• Your salary while you attend jury service

Get an online quote today and add Family Legal Protection cover to your premium.

Home Emergency cover

Direct Line Home Emergency will provide you with cover for callout, labour and parts up to £500 (including VAT) per call out for home emergencies involving:

• Plumbing & Drainage
• Electrics
• Heating
• Security (external locks, doors and windows)
• Pests

Get an online quote today and add Home Emergency cover to your premium.

And remember if you are a Home Insurance Plus customer, these additional cover options are automatically included in your premium!

Take a look at our Policy Booklet and Summary to find out more about any of our optional extras.