Direct Line Contents Insurance covers every non-permanent item in your home, from furniture and carpets to valuables, electrical goods and sentimental items – basically anything you would take with you if you were moving out. Our Buildings Insurance covers the structure of your home and any outbuildings, and is based on the cost of rebuilding your property.
More for your money
But it doesn’t just stop there, we want to give you value for your money – we want to give you a Good Deal Better. So we will replace not only the contents within your home on a new-for-old basis, but we’ll also replace up to £1,000 worth of garden items.
And even when you have to take contents outside the home temporarily, they are still covered. For example, if your kids move to university then any belongings they temporarily take from home will be protected, and that includes all their electrical equipment such as televisions and stereo systems.
What’s more, should you have any queries or need to make a claim, all our call centres are UK-based, so we’re here on the phone, in the UK, waiting to support you.
Extra! Extra!
And if you want a little more security we’ve got lots of optional extras that you can add on to your cover.
Our Family Legal Protection cover provides you with valuable legal support 24 hours of the day. Our qualified staff can give you confidential advice on any private legal matter and could save you money on expensive solicitors' fees. Family Legal Protection also covers up to £100,000 in costs per claim for employment claims, personal injury claims, contract claims and property claims.
Or perhaps you’re a bit accident-prone and feel you could do with a little more protection for those DIY disasters and all-too-frequent household accidents? With our extra Accidental Damage cover, accidental damage to items such as furniture, carpets and ornaments would also be covered.
Our third optional extra is Personal Possessions cover, which will cover items, including cash, mobile phones and credit cards, that you take outside the home with you, even if you’re away on holiday. So if you’re off enjoying yourself you can relax knowing your valuables are fully protected at all times.
For more information on the better deal we can offer you as a Direct Line Home Insurance customer, we’ve provided a Contents and Buildings summary table* for a quick and easy way to check what you’re covered for in the event of loss or damage from causes such as theft, fire, storm or flood.
Interested? Why not get a home insurance quote or buy online.
Summary of Cover
Contents Insurance
|
Cover Value
|
| Loss or damage to contents caused by fire, lightning, smoke, storm flood |
Up to contents sum insured |
| Office equipment in the home (i.e. computers, printers, fax machines, photocopiers) |
Up to £5,000 |
| Valuables (i.e. jewellery, watches, furs, gold and silverware, works of art, stamp/coin collections) |
Up to a third of Contents sum insured |
| Money in the home |
Up to £500 |
| Garden items |
Up to £1,000 |
| Freezer contents |
Unlimited |
| Accidental damage to electrical goods (i.e. TV, DVD players, home entertainment systems, laptops) |
Included as standard |
| Locks and keys (replacements if keys stolen) |
Unlimited |
| Bicycles |
Up to Contents sum insured |
| Glassware (i.e. mirrors, glass within furniture, glass surfaces, ornaments, ceramic hobs) |
Included as standard |
| Non-permanent fixtures and fittings (i.e. carpets, curtains) |
Included as standard |
| Visitors' personal belongings |
Up to contents sum insured |
| Alternative accommodation (Buildings) - following an insured event |
25% of Sum Insured or £25k whichever is greatest
|
| Alternative accommodation (Contents) - following an insured event |
£10k or 25% contents sum insured, whichever is greatest
|
| Contents temporarily away from the home e.g. for Student belongings |
£5000 or 15% of sum insured (whichever is greatest) |
| Special occasions cover for family weddings and over the Christmas period |
Automatic increase of insurance by £5,000 or 10% of the sum insured (whichever is greater) from 1 December to 15 January, and for four weeks either side of a family wedding |
| Damage or loss caused during household removal |
Up to Contents sum Insured |
Buildings Insurance
|
Cover Value
|
| Loss or damage to walls, roofs, driveways, patios, conservatories, outbuildings permanent fixtures (e.g. kitchen, bathroom, fitted wardrobes) caused by fire, lightning, smoke, storm flood |
Up to £1,000,000 |
| Damage to plumbing installation caused by freezing/bursting |
Included as standard |
| Glass in windows, doors and roofs |
Included as standard
|
| External door locks where keys have been stolen |
Included as standard |
|
