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Why choose
Direct Line?

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.

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.

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

  • 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.

  • 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.

  • 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 - 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

  • 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.

Are you looking for...

Customise your policy to suit you

The following optional extras can be added to Comprehensive cover for an additional cost:

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 Claims 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 Claims 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

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

Download

Car insurance Plus policy booklet
(viewable in pdf, file size 1.1Mb)

Download

Frequently asked questions about car insurance

What do I need to provide as proof of my No Claim Discount?

Please provide your current renewal notice or a letter on headed paper from your previous insurer or broker confirming your No Claim Discount (NCD) and include the following details:

  • Previous insurer's name
  • Previous insurer's policy number
  • Your name
  • Policy expiry date
  • Number of years NCD

Please remember to include your Direct Line policy number when sending us your proof of your NCD.

It's quick and easy to get your documents to us, you can upload a document of your NCD through our secure online portal, alternatively we accept original or copies of documents in the following ways:

Your NCD must be from a valid UK insurer and must not be older than 2 years. Your NCD must be expressed in number of years.

NCD proof should be sent to:

The Wharf
Neville Street
Leeds
LS1 4AZ

Please note that your NCD can only be used on one policy at any one time.

It's your responsibility to provide us with proof of NCD.

What is your cancellation procedure?

If you'd like to cancel your Direct Line policy please call us on 0345 246 8706.

You may also suspend your policy for a period of time if you meet certain criteria. For example, if your vehicle has been written off following an accident and you haven't yet purchased a new vehicle. Just call us on 0345 246 8706. You'll need to continue your monthly payments if you pay by instalments.

When you buy:

If you cancel within 14 days of cover starting or you receiving your documents (whichever is later) we'll return any premium paid less a charge for the number of days for which cover has been given for your car insurance and give you a full refund* for Breakdown Cover, where selected.

If you cancel after 14 days on cover, we'll return any premium paid less a charge for the number of days for which cover has been given and an administration fee of £47.70 for car insurance and £10.60 for Breakdown Cover, where selected.  All figures quoted are including Insurance Premium Tax where applicable.

*If you've made a claim or one has been made against you during the period of cover, you won't receive a refund.

When you renew:

If you're cancelling your policy within 14 days of the policy starting, we'll return any premium paid less a charge for the number of days for which cover has been given, providing you haven't made a claim.

If you're cancelling after 14 days of renewal, providing you've not made a claim, we'll return any premium paid less:

  • A charge for the number of days for which cover has been given; and
  • An administration fee

Full details of any applicable charges or fees will be discussed with you when you call us.

If you're cancelling due to a change in circumstances, you can amend or change your policy by calling us on 0345 246 8706.

You're unable to cancel your policy if there are any on-going claims against it.

What do I need to do if I need to change my details?

Please call us on 0345 246 8706 to inform us of any changes. For information on when you need to inform us of specific changes, please refer to the policy booklet.

How do I contact Direct Line Insurance by telephone?

General enquiries

0345 246 3761


Lines open:
8am-9pm Monday to Friday,
9am-5pm on Saturday and
10am-5pm Sunday.

Online quote help

0345 246 8701

Lines open:
8am-9pm Monday to Friday,
9am-5pm on Saturday and
10am-5pm Sunday.

Already a customer?

0345 246 8706

Lines open:
8am-9pm Monday to Friday,
9am-5pm on Saturday and
10am-5pm Sunday.

Make a claim

0345 246 8707

Lines open:
8am-9pm Monday to Friday,
9am-5pm on Saturday and
11am-5pm on Sunday.

24-hour accident recovery hotline

0800 269 015

24 hours a day, 365 days a year.

Not happy?

If you wish to make a complaint please view our complaints procedure.

Typetalk

Direct Line supports the Typetalk service for people with communication difficulties. To use Typetalk, you'll need to prefix the number 18001 before the number you wish to dial. For example: 18001 + area code + number.

Calls may be monitored and recorded. Call charges will vary.

Can I drive any car?

Driving other cars is a standard inclusion under our private car policies and allows the policyholder to drive cars that aren't 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.


Ease of purchase 9.2
Value for money 9.0
Overall rating 9.0

Score is 9.0 out of 10 based on 12470 reviews.


10 10

Jack

Darlington
+
Very simple web site
-
N/a
Confirmed purchase:2016-09-11
Published on:2016-09-24
7 10

Dawn

+
some very help full staff
-
some not so good
Confirmed purchase:2016-09-16
Published on:2016-09-24
9 10

Patricia

Sutton Coldfield
+
Very easy to use website
-
The reviewer left no comments
Confirmed purchase:
Published on:2016-09-24