Car insurance

Worried about car park bumps and scrapes?

No one wants to take the rap for someone else's mistake. That's why unlike other insurers, you won't lose any of your earned No Claim Discount where it's not your fault.

With comprehensive cover as standard. Excess applies.

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If you're with Direct Line and you're not to blame, unlike other insurers, you can claim and your No Claim Discount is safe.

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With comprehensive cover as standard. Excess applies.

Black box insurance for young drivers aged 25 or under

Using telematic technology, we'll monitor your driving skills and potentially save you money based on your performance.

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We're proud of our customer reviews and Defaqto 5 Star Rating for car insurance.

Defaqto is an independent researcher for financial products

Why choose Direct Line

Our high performance insurance makes sure you have the cover you need.

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Fair claim commitment

Your no claim discount is safe if damage is caused by the following. With comprehensive cover as standard. Excess applies.

Hit whilst parked
Potholes or poor road maintenance
Theft of the car, or from the car
Flood damage
If you hit or are hit by a wild/domestic animal
Hit by an object or debris (excluding vehicles)

Personal onward travel

Based on your recovered vehicle being non-driveable after an accident

Transport offered after accident
Taxi booked and paid by insurer, to home or original destination 24/7, 365 days a year.
No conditions or mileage limits within UK

Over 25 miles from start of journey

Non stated

Includes passengers, pets & belongings

Non stated

Driver and passengers only

Administration fee (made by phone)

Based on you calling us to make changes to your policy

Mid-term amendment fee £0 £15 £20.16 £19.50

Administration fee (made online)

Mid-term amendment fee £0 £15

In certain circumstances

£0 £19.50

Guaranteed Hire Car - Courtesy Car

The information is based on a non-driveable scenario

Courtesy car provided as standard
Provided in advance of repair assessment when using our approved repairers

Until yours is fixed

Provided in advance of repair assessment when using your repairers for up to 21 consecutive days
Provided if your car is written off, stolen and not recovered. Up to 21 days in a row
Provided by hire car company (not the repairer).

Sourced from insurers websites, policy booklets, mystery shopping and Defaqto

Data correct as of August 2018

Motor insurance that works for you

Having insurance is a legal requirement, but it's not one size fits all.

We work hard to provide cover that does the best job of financially protecting you against damage or injury caused by an accident.

What makes us different

Hit while parked?

Unlike other insurers if you're hit while parked your No Claim Discount is safe when you make a claim.

With comprehensive cover as standard. Excess applies.

Guaranteed Hire Car

If your car is being fixed by one of our approved repairers, we'll get you a small hatchback to keep until it is fixed. Alternatively, if you prefer to use your own garage or your car has been written off or stolen, you'll still get a hire car for up to 21 days in a row.

Offered with Comprehensive cover. Doesn't include windscreen claims or customer delayed claims.

Onward Travel

If you've been involved in a crash and can't drive your car because of it, we'll get you a taxi so you can still complete your journey.

Offered with Comprehensive Cover for when you can't drive your car after an accident. Taxi booked to one destination within the UK.

Choosing the right cover for you

Comprehensive car insurance

Comprehensive car insurance provides a range of benefits, including cover for accidental damage or if you're hit by an uninsured driver. We'll provide a guaranteed hire car, should you need it due to an accident or theft, and we cover the cost of replacing child car seats involved in a valid claim, even if there's no apparent damage.

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Third Party, Fire and Theft car insurance

Third Party, Fire and Theft car insurance covers you if anyone claims against you for injury or damage to their car or property. It also means your car and in-car equipment will be covered for damage caused by fire and theft, with repairs guaranteed for the five years, if done by an appointed repairer.

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What isn't included?

Some of the things we don't cover are:

  • Indirect losses, such as travel costs or loss of earnings.
  • Loss or damage caused by wear and tear.
  • Any amount greater than £125 for a replacement and £40 for a repair after deducting the excess, if you don't use our approved windscreen supplier.
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Car Insurance illustration – Red Car

Other options

Multi-car insurance

If you've got more than one car to insure at the same address, we could save you money on each additional policy.

Introductory discount - Discounts are subject to a minimum premium. Online you can buy a maximum of four car policies per household, and over the phone 10 cars per household.

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Black box insurance

Using telematics technology, we'll monitor your driving skills and potentially save you money based on your performance.

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SELECT Premier

If you're looking to insure a car worth more than £100k, our highest level of cover will cover your most valuable possessions.

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Optional extras

No Claim Discount Protection

If you have a minimum of 4 years no claim discount, with no more than one fault claim within the past three years for all drivers combined, then you will be eligible to purchase No Claim Discount Protection.

Having No Claim Discount Protection means that your No Claim Discount (NCD) will not be affected by:

  • One claim made during the current period of cover, or by
  • Two claims arising in the three preceding years of insurance

You will cease to be eligible for the benefit if claims exceed the above number. However your premium may still increase following a claim.

Breakdown cover

Breakdown cover is one of those things you're glad to have when things go wrong.

In partnership with Green Flag, we offer five choices of breakdown cover to provide you with 24/7 assistance, 365 days a year plus unlimited callouts to breakdowns (this excludes repeated calls for the same incident).

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Motor Legal Protection

Motor Legal Protection will provide up to £100,000 of legal costs to help you to claim, where no other insurance policy will cover your losses, as long as there is a more than 50% chance that your claim will succeed.

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Guaranteed Hire Car Plus

We'll keep you moving with a similar physical sized hire car to your own, plus:

  • Choose one of our approved repairers and you can keep it until your car is fixed.
  • You'll still get a hire car for up to 21 days in a row if yours is written off, stolen or you prefer to use your own garage.
  • We'll also cover the travel costs if your car is stolen or you have an accident abroad - up to £50 a day and up to a maximum of £500 over the 21 days following your claim, if you have extended your cover to that country.

Comes as an optional extra only with Comprehensive. Keep in mind, this doesn't include windscreen claims & customer delayed claims

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What you need to get a car insurance quote

Car details

Your car's registration number (or its make, model and year), as well as its value, purchase date and annual mileage.

Personal details

Your address, driving licence info, previous claims and other named drivers on your policy.

Policy start date

An inaccurate or change in start date may affect your premium.

No Claim Discount

Details of any claim-free driving could reduce your premium. We may require proof.

Key factors impacting your quote

Car Insurance illustration – Green Car

Your car insurance quote is a reflection on how likely you are to make a claim and how expensive that claim could be. It's based on several different factors relating to you, your car and surroundings.

Click on each link for more information.

The age and experience of those driving your car

Where you live

What you do for work

Type of vehicle you drive

How far you drive

Previous claims or convictions

Wider factors can also have an impact on the cost of average claims and how often they're made.

Regulatory changes

Traffic levels

Industry trends

Insurance Premium Tax (IPT)

Car illustration

What our customers think

Defaqto Ratings
Defaqto Ratings

We're proud of our customer reviews and Defaqto 5 Star Rating for car insurance.

Defaqto is an independent researcher of financial products

Good Points
Web site was quick and easy to use as in not very computer literate this made it simple thank you.
Bad Points
9.4 Ease of purchase
9.1 Value for money
9.2 Overall rating
Score is 9.2 out of 10 based on 6521 reviews.
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Need more help?

Our web chat team are here to answer your questions

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General enquiries
0345 246 3761

Mon - Fri: 8am-9pm | Sat: 9am-5pm | Sun: 10am-5pm

How Brexit will affect your car insurance

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Need more help?

Our web chat team are here to answer your questions

Get in touch

General enquiries
0345 246 3761

Mon - Fri: 8am-9pm | Sat: 9am-5pm | Sun: 10am-5pm

Frequently asked questions

q1 Can I transfer my No Claim Discount (NCD) to another individual?
Yes, NCD can also be swapped between the policyholder and their spouse/partner, provided that the spouse/partner has held their licence long enough to accrue that level of NCD and lives at the same address as the policyholder.
Your 'partner' is defined as an individual you are in a relationship with and living with, but are not married to or have not had a Civil Partnership Ceremony.
q2 Can I drive any car?
Driving other cars is a standard inclusion under our private car policies and allows the policy holder to drive cars that are not owned by them or hired to them, providing they have permission of the vehicle owner to use the vehicle. However, there are restrictions to this benefit such as age (must be over 25 at policy inception / renewal date) and occupation.

To find out if you have Driving Other Cars cover, check your certificate of insurance.

The cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property. The cover is limited to third party only and should be viewed as emergency cover.
q3 Can I add a temporary additional vehicle to my policy?
Yes, policyholders can add temporary additional vehicles to their policy for up to a maximum of 90 days in a period of cover. Please call us on 0345 246 8706 for more information.
q4 Are my spouse and I covered for business use?
Business cover will be included automatically (when your policy is purchased through our website) for you and your spouse or partner if you have had a civil partnership ceremony and live at the same address, unless either of you hold one of the following occupations:

  • Motor Trade
  • Retired
  • Housewife/Househusband
  • Student
  • Unemployed
  • Chauffeur working on a hire and reward basis
  • Courier/Driver working on a hire and reward basis and/or delivering goods that they or their employer do not own
In these cases the vehicle may only be used for Social, Domestic and Pleasure (SDP) purposes.

In addition we cannot offer insurance where the vehicle is taken Airside (near to aircraft) or is used for paid driving tuition or where the policy holder or their spouse/partner is a foreign diplomat with immunity.

For all other occupations the vehicle may be used in connection with your business or those of your spouse, partner or civil partner (not business partner).

If you require additional drivers to have business use or are uncertain about the type of use you require, please call our Customer Hotline.

If you are an existing customer, your policy documents will confirm which cover applies to the policy.

If you are in doubt about any of the above please contact the Customer Hotline on 0345 246 8701. Please note: business cover is required where your occupation requires you or your spouse/partner to travel to more than one permanent place of work. You will need business cover if you or your spouse/partner

has more than one occupation.

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