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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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Direct Line car insurance

You've come to the right place. We want to help you find the best car insurance for you.
Choose from a range of cover types and add-ons to meet your needs.

Car insurance icon

Car insurance

Cover for a single car with one or more drivers. You can choose from our Comprehensive and Third Party, Fire and Theft Insurance types, which can be customised to meet your needs.

Multi-car insurance icon

Multi-car insurance discount

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. Minimum premiums apply.

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Black box insurance for young drivers icon

Black box insurance for young drivers

Aimed at those aged 25 or under. Using telematics technology, we'll monitor your driving skills and potentially save you money based on your performance.

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Is your car worth £100k or more?

Our SELECT Premier insurance is our highest level of cover for the things you value most.

Car insurance

Cover for a single car with one or more drivers. Choose from our Comprehensive and Third Party, Fire and Theft Insurance types, which can be customised to meet your needs.

Multi-car insurance discount

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. Minimum premiums apply.

Find out more

Black box insurance for young drivers

Aimed at those aged 25 or under. Using telematics technology, we'll monitor your driving skills and potentially save you money based on your performance.

Find out more

Is your car worth £100k or more?

Our highest level of cover for when you need to insure a car worth more than £100k.

Find out more

Why choose Direct Line?

When you compare car insurance on price comparison sites, you won't see Direct Line. Getting a car insurance quote can be complicated, so we like to keep things simple.

We aim to offer cheap car insurance, but also want to provide the best car insurance for you by offering benefits that some other insurers don't.

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.


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.
Excess applies.

This table shows how Direct Line car insurance compares to other providers.

Competitor comparison table

Competitor
comparison table
Direct Line LV= Admiral AvivaPlus

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)

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

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

£19.50 £0

Sourced from insurers' websites, policy booklets and mystery shopping. Data correct as of April 2019.

Download car insurance policy documents

For full details and exclusions see the car insurance document.
For all information related to car insurance see our documents library.

Exclusive deals for existing customers Exclusive deals for existing customers

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

Regulatory changes

Traffic levels

Type of vehicle you drive

How far you drive

Previous claims or convictions

Industry trends

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.

Introductory discount

Claims or convictions

Inflation

Crime rate

Traffic levels

How far you drive

Industry trends

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.

Boost your cover

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).

Learn more
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 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 point
Quick and easy
Roberta, Glasgow

Good point
Very easy to do online
Kathleen, Tunbridge Wells
9.4 Ease of purchase
9.1 Value for money
9.2 Overall rating
Score is 9.2 out of 10 based on 6053 reviews.

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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