Our Comprehensive car insurance

This covers you if your car is stolen, accidentally damaged or damaged by fire. You’re also covered for claims made against you by other people for damage to their property or for bodily injury.

Click on the features for more details on what’s included:

  • Guaranteed Hire Car

    If your car is stolen or written off due to an accident, then we’ll keep you moving with a small hatchback for up to 21 days in a row. Comes as standard with Comprehensive cover.

    If you choose one of our approved repairers, you can keep the hire car until your vehicle is fixed. Keep in mind, this doesn't include windscreen claims & customer delayed claims. To find out more, visit our frequently asked questions

  • 7 day car repair

    If we can't fix your damaged car in 7 days, we'll pay you £10 a day, until the job is done, up to £70.
    Applies to Direct Line customers using our approved repairers loaded on our garage system, does not include public holidays. Available in mainland Great Britain, except Inverness and remote areas of Scotland. Excludes write offs and windscreen claims. £10 payment starts on day eight and is limited to £70. To meet our high quality and safety standards some repairs will take longer. To find out more visit our frequently asked questions

  • No admin fees

    No charge for temporary or permanent changes to your policy during the year. Any premium change as a result of the amendment will still apply.

  • 24/7 accident recovery helpline

    Our accident recovery helpline is available all at all times.

  • Vandalism promise

    We can't protect your car against vandalism. But we can protect your no claim discount.
    And if you make a claim for damage to your car that’s a result of vandalism, we won't just repair the damage. Go to one of our recommended garages and we'll also clean your car inside and out.

  • Used car replacement

    If your car is written off due to an accident, vandalism, fire or flood, you can choose between a replacement car like yours, a cash settlement or pay for an upgrade. Minimum car purchase price of £3,500. An exact match may not be available - subject to availability. Excludes theft claims.

  • Replacement child car seats

    We take every aspect of your little one's safety very seriously. That's why in the event of an accident, fire or theft we'll cover the cost of a replacement child car seat - even if there is no apparent damage.

  • Repairs guaranteed for five years when using an approved repairer

    Repair work is guaranteed for five years if you use one of our approved repairers. Your car will be cleaned inside and out before being returned to you.

  • Accidental damage

    This covers you if your car is accidentally damaged.

  • Fire & theft

    For if your car is damaged as a result of theft, attempted theft, fire, lightning or explosion.

  • Damage to third party property

    For any damage your car causes to another person’s car or property.

  • Personal accident

    Designed to protect you and your spouse or partner in the event of a serious injury or death sustained while travelling or getting in or out of any car. Cover limits up to £5,000.

  • Uninsured driver promise

    If an uninsured driver hits you and it's not your fault, we have your excess covered and you won't lose your No Claim Discount. Remember, we’ll need the other driver’s registration number as well as the make and model of their car. Comprehensive cover required and non fault claims only.

  • Windscreen damage

    If your windscreen or window glass is damaged, we'll pay for their replacement or repair.
    Give us a call before any work is carried out and we'll direct you to an approved repairer who will replace your glass subject to a £75 excess. If they repair rather than replace the windscreen, then £10 excess applies. Limits apply if you don’t use one of our approved repairers: £75 for a replacement windscreen and £10 for a repair. If you don’t deal direct with our approved repairer our maximum payment will be £125 for replacement and £40 for a repair after deducting the excess.

  • Hotel expenses

    If your car isn't driveable after an accident, we'll pay for the cost of an overnight stay in a hotel - for you and your passengers. Cover limits up to £150 for the driver or £250 in total for all the people in the car.

  • Personal possessions cover

    Your clothing and personal belongings are covered for loss or damage in the event of fire, theft, attempted theft or accident. Just keep in mind exclusions apply.

    We won't cover loss of or damage to:

    • Money, credit or debit cards
    • Stamps, tickets, vouchers, documents, securities (such as share and Premium Bond certificates)
    • Goods or samples carried in connection with any trade or business
    • Property insured under any other policy

    Cover limits up to £250.

  • Medical expenses

    We'll pay medical expenses for each person injured after an accident, as long as there's no cover in force under another car insurance policy.

  • In-car equipment

    We cover any permanently fitted in-car audio, TV, telephone or navigation equipment. If fitted as part of the car's standard equipment, then the cover is unlimited. Cover limits up to £1,000 - this limit applies only to non-standard fitment.

  • New car cover

    We'll replace your car with a new one of the same make and model if:

    • Your car is less than one year old
    • You're the first and only registered owner
    • It has been stolen and not found or deemed a write off.

You can also check out our Third Party, Fire and Theft cover

Customise your policy to suit you

You can easily add any of the following features to Comprehensive for an additional cost during the online quote process:

Breakdown cover

  • Breakdown cover provided by GreenFlag
  • No extra costs for specialist equipment
  • Unlimited callouts 24/7 in the UK

Protect your No Claim
Discount

  • Don’t let one claim ruin your good track record
  • Anyone who has earned a minimum of 4 years No Claim Discount is eligible
  • This means that your No Claim Discount will not be affected by:
    • One claim made during the current period of cover, or
    • Two claims arising in the three previous years.
    Remember, only the policyholder can earn the discount.

Motor Legal Protection

Guaranteed Hire
Car Plus

  • If you use one of our approved repairers, we’ll supply a similar physical sized hire car to your own until your car is fixed
  • Or up to 21 days in a row if your car is written off or stolen and you prefer to use your own garage
  • We’ll also cover travel costs while abroad up to £50 a day and up to a maximum of £500 over the 21 days following your claim, as a result of an accident or theft, if you have extended your cover to that country
  • Optional with Comprehensive only. Keep in mind, this doesn't include windscreen claims and customer delayed claims
  • Breakdown cover provided by GreenFlag
  • No extra costs for specialist equipment
  • Unlimited callouts 24/7 in the UK
  • If you use one of our approved repairers, we’ll supply a similar physical sized hire car to your own until your car is fixed
  • Or up to 21 days in a row if your car is written off or stolen and you prefer to use your own garage
  • We’ll also cover travel costs while abroad up to £50 a day and up to a maximum of £500 over the 21 days following your claim, as a result of an accident or theft, if you have extended your cover to that country
  • Optional with Comprehensive only. Keep in mind, this doesn't include windscreen claims and customer delayed claims
  • If you have an accident involving your car where you are not to blame, you have the right to claim from the person responsible
  • Receive up to £100,000 of legal costs, as long as there is a better than 50% chance that your claim will succeed
  • Examples of what you could claim compensation for:

    Injury to you or a passenger:
    If you or your passengers are injured in an accident, Motor Legal Protection could help you claim compensation for those injuries.

    Loss of earnings:
    If you’re injured in an accident that isn’t your fault and are unable to work, Motor Legal Protection could help you recover loss of earnings.

    Medical expenses:
    If you’re injured in an accident and need treatment, Motor Legal Protection could help you recover the medical costs.

    Loss of possessions:
    If your personal possessions are damaged as a result of an accident, Motor Legal Protection could help you claim back the cost of these items - if they’re not covered elsewhere.

    Damage to your car:
    If you don’t have comprehensive insurance cover and your car is damaged by no fault of your own, Motor Legal Protection can help recover repair costs.

  • Don’t let one claim ruin your good track record
  • Anyone who has earned a minimum of 4 years No Claim Discount is eligible
  • This means that your No Claim Discount will not be affected by:
    • One claim made during the current period of cover, or
    • Two claims arising in the three previous years.
    Remember, only the policyholder can earn the discount.

All the details

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

Car insurance summary