Essential items stolen? Essential items stolen?

Essential items stolen?

Send photos showing they were yours and
if all is good, replacements will be ready to send within 8 hours.

Applies to theft claims and accidental loss up to £3,000. Cover limits apply.
Claims line is open 8am - 8pm Mon-Fri, 9am – 5pm, Sat.
Excludes SELECT Premier.

Learn more

Our home insurance products

Home Insurance

Our Home Insurance policy has your home covered.
Also, you can add all our optional extras and boost your cover for an additional cost.

Home Insurance Plus

Home Insurance Plus gives you all the cover you'd expect. And a lot you wouldn’t. It comes with home emergency, personal possessions, accidental damage and family legal protection as standard. So, when we say plus we mean it.

SELECT Premier Insurance

Our highest level of cover
designed for higher value

With an emphasis on personal service, SELECT Premier includes a wide range of covers as standard and flexibility to cover higher value jewellery, fine art and antiques.
Also, we'll cover everything - homes, cars, and pets - under one policy, with one payment and one renewal date.

For the most important
things in your life

Possessions Cover

Damage Cover

Family Legal

Emergency Cover

Find out more Dog and bone image

Introductory offer. Excludes Single Trip Travel, Discoverer Travel, Over 50s Life Insurance and SELECT Premier. This offer includes Breakdown when it’s bought over the phone. But if Breakdown was the first cover you took out the offer won’t apply if you take out Car or Van insurance. Minimum premiums apply. Discounts applied consecutively.

Remember we can save you money on car insurance too
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Our 5 most frequently asked
home insurance questions

How will I know if my claim is covered by my policy?

Wherever possible, we’ll let you know during your first call to us whether your claim is covered by your policy. Before you call us, read through the policy booklet along with your schedule of cover– it might help you find the answer. If you’re still unsure, call our Claims Advisors. They have an excellent knowledge of the cover you’ve arranged with us.

Will my insurance premium increase at the next renewal date if I make a claim?

Claims under your policy could result in an increased premium at your next renewal date. This depends on the number, type and value of claims you make. Our premiums are calculated individually and you’ll be notified in advance of the renewal date.

Is my policy 'new-for-old'?

Yes. This means that all items will be replaced with the new equivalent. For example, if you’ve damaged a 5-year-old TV, we’ll replace it with the latest available equivalent model.

How do I contact Direct Line Home Insurance by telephone?

General enquiries

0345 246 3564

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

Online quote help

0345 246 8703

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

New quote

0345 246 8372

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

Already a customer?

0345 256 8585

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

Home claims

0345 246 8412

Lines open:
8am-8pm Monday to Friday
9am-5pm on Saturday.

Home emergency claims

0345 878 5081

Lines are open 24 hours a day, 365 days a year.

Legal claims

0345 601 2945

Lines are open 24 hours a day, 365 days a year.

Home Insurance Plus travel claims

In the UK:

0345 026 0246


01252 576150

We support the Typetalk service for people with communication difficulties. The phone number for Typetalk is 0800 515152.

Need to contact us by email or live chat? Please get in touch.

Calls may be recorded. Max call charge from a BT landline is 3p per minute. Calls from other networks may vary.

What questions will I be asked when I call to register my claim?

We’ll ask you what happened, when, and what action you've taken so far. We’ll ask you what you’re claiming for and the approximate cost(s) involved.

To report a claim, call 0345 246 8412. You’ll also need:

  • Your policy number.
  • The full address of the property covered under your policy.
  • A brief description of what happened and where the incident took place.
  • A list of the damaged items, including their original cost.
  • We’ll also ask you for a crime or loss reference number, if you’ve been a victim of theft, vandalism or lost items when outside of home.
  • Any relevant documents or photographs to support your claim.
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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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