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.Get a quote
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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.
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.
Fair Claim Commitment
Unlike some other insurers, you can claim and your No Claim Discount is safe with us if the damage is caused by: potholes or poor road maintenance, theft from or of your car, being hit while parked, floor damage, if you hit or are hit by an animal, or hit by an object or debris (excluding vehicles).
With comprehensive cover as standard.
This table shows how Direct Line car insurance compares to other providers.
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)|
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
|Includes passengers, pets & belongings||
Administration fee (made by phone)
Based on you calling us to make changes to your policy
|Mid-term amendment fee||£0||£15||£19.50||£0|
Administration fee (made online)
|Mid-term amendment fee||£0||£15
In certain circumstances
Sourced from insurers' websites, policy booklets and mystery shopping. Data correct as of April 2019.
What factors impact the price of my quote?
Your Direct Line 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.
Driver age and experience
Where you live
What you do for work
Type of vehicle you drive
How far you drive
Previous claims or convictions
Insurance Premium Tax (IPT)
There are many reasons why the cost of your car insurance premium may have changed on renewal, with some having a bigger impact than others.
Your premium is based on several factors relating to you, your car and your surroundings.
Claims or convictions
How far you drive
Changes to Insurance Premium Tax
What do I need to get a car insurance quote?
1 Car details
Your car's registration number (or its make, model and year), as well as its value, purchase date and annual mileage.
2 Personal details
Your address, driving license info, previous claims and other named drivers on your policy.
3 Policy start date
An inaccurate or change in start date may affect your premium.
4 No Claim Discount
Details of any claim-free driving could reduce your premium. We may require proof.
What our customers think
We're proud of our customer reviews and Defaqto 5 Star
Rating for car insurance.
|9.4||Ease of purchase|
|9.1||Value for money|
Score is 9.2 out of 10 based on 6053 reviews.
Frequently asked questions
q1Can 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.
q2Can 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.
q3Can 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.
q4Are 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
- 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 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.