Which Direct Line car cover is right for you?

We offer three levels of comprehensive car insurance; Essentials, Comprehensive and Comprehensive Plus.
We also offer Third Party, Fire and Theft.

Our comprehensive cover levels


Our entry-level cover has everything you need to get on the road.


Covers more than the essentials, such as claims made against you and if your car is stolen.

Comprehensive Plus

Our top level cover goes the extra mile with higher cover limits and extras included.

You'll get a replacement car at no extra cost for the duration of your car’s repair if it’s being fixed by one of our approved repairers. For Courtesy Car, it will be a small hatchback with an engine size of 1000cc, Guaranteed Hire Car will also be a hatchback but isn't limited to a 1000cc engine, and Guaranteed Hire Car Plus will be a similar-sized car to your own.

You'll still get a hire car for up to 21 days in a row if you're using your own garage or if your car has been written off or stolen.

Courtesy car

Guaranteed Hire Car

Guaranteed Hire Car Plus

If your car’s less than a year old (Comp) or two years old (Comp Plus) and you’re its first and only registered owner, we’ll replace it with the same make and model if it’s written off or can’t be recovered after being stolen.

If car is less than a year old

If car is less than two years old

If you’re in an accident with an uninsured driver that isn’t your fault, we’ll protect your claim-free years and also cover your excess.

We’ll pay for one of our approved repairers to replace or repair a broken windscreen, sunroof or window. Subject to an excess of £10 (if repairing) or £75 (if replacing).

You can drive other cars as long as you have permission from the vehicle owner. There are restrictions to this benefit, such as age (must be over 25 at policy start / renewal date) and occupation.

With our Fair claim commitment, your No claim discount is safe if the damage is caused by; potholes or poor road maintenance, theft from or of your car, being hit while parked, flood damage, if you hit or are hit by an animal, or hit by an object or debris (excluding vehicles).

If you’re involved in a car crash and you’re unable to drive your car, we’ll arrange a taxi to take you, your passengers, pets and belongings to one destination in the UK.

We’ll insure you and your spouse or partner up to £5,000 if either of you are injured or killed in a car accident.

Up to £5,000 Up to £5,000 Up to £10,000

We’ll give you up to £250 for any loss or damage of clothing and personal belongings in the event of a fire, theft or accident.

Up to £250 Up to £500

If your car can't be driven after an accident and a hotel stay is necessary, we'll pay up to £150 towards the expense (or £250 in total if there are other passengers with you).

Up to £250 Up to £300

If your keys are lost or damaged, we’ll cover the cost to replace them.

Up to £1000 Up to £1000

Boost your car cover

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

In partnership with Green Flag, we offer four 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).

Find out more

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.

Find out more

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 cover and as standard with Comprehensive Plus cover with Direct Line Car Insurance. Excludes windscreen claims and customer delayed claims.

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