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What is car insurance?

Think of car insurance as an agreement between you and your insurance provider. You pay a premium, and your insurer provides financial protection against damage or injury caused by an accident.

It's also a legal requirement, unless your car has been registered as off-road with a Statutory Off Road Notice (SORN).

Why choose Direct Line?

Onward Travel Service

If you can't drive your car after an accident, Direct Line will get you a taxi to continue to your UK destination.

Guaranteed Hire Car

If your car is stolen or written off due to an accident, we'll get you a small hatchback for up to 21 consecutive days. As standard with Comprehensive.

7 day car repair

If we can't fix your damaged car in seven days, we'll pay you £10 a day, until the job is done, up to £70.

See terms & conditions below

  • Onward Travel Service

    If you can't drive your car after an accident, Direct Line will get you a taxi to continue to your UK destination.

    See terms & conditions below.

  • Guaranteed Hire Car

    If your car is stolen or written off due to an accident, we'll get you a small hatchback for up to 21 consecutive days. As standard with Comprehensive.

  • 7 day car repair

    If we can't fix your damaged car in seven days, we'll pay you £10 a day, until the job is done, up to £70.

    See terms & conditions below.

Terms & conditions

Onward Travel Service - offered with Comprehensive Cover, if you can't drive your car after an accident. Taxi booked to one destination within the UK.

7 day car repair - 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.

What you'll get with comprehensive cover

  • Onward Travel Service

    If you have an accident and your car can't be driven, we'll recover your vehicle and provide a free taxi to take you, your family (and any pets and luggage) to your destination in the UK.

  • 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

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

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All the details

Car insurance policy summary
(viewable in pdf, file size 63Kb)

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Car insurance policy booklet
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Ease of purchase 9.2
Value for money 9.0
Overall rating 9.0
Score is 9.0 out of 10 based on 17892 reviews.

10 10

Caroline

Grimsby
+
Excellent staff, vertically no waiting time on phone
-
None
Confirmed purchase:2017-05-17
Published on:2017-05-24
10 10

Sarah

+
Prompt service and good value
-
The reviewer left no comments
Confirmed purchase:2017-05-16
Published on:2017-05-24
9 10

William

Edinburgh
+
your price beat our current insurers by quite a bit for the same product.
-
Nothing.
Confirmed purchase:2017-05-16
Published on:2017-05-24
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Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

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