As they’re online products, you’ll manage everything to do with your policy online. These extras are optional, so it’s up to you what you include. You can also tailor your policy with optional extras to suit how and when you drive. “Easy process to insure my vehicle – great price for a great policy” “Taking out the car insurance was easy to do and price was very competitive.”
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Regulatory changes These are changes the Government makes, such as larger payouts or removing legal costs for specific claims. No matter what your age, safe drivers could save money at renewal with our DrivePlus telematics technology. If your keys are lost or damaged, we’ll cover the cost to replace them. If you can’t drive after an accident and you need to stay in a hotel, we’ll help cover those costs. We’ll pay if your clothes or belongings are damaged due to a fire, theft, or accident. 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.
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We asked Direct Line customers who have recently made a claim how they felt about their car insurance. However, its lack of admin fees for mid-term policy adjustments, personal accident cover of £10,000 and generous no-claims discount protections were highlights in our analysis. The cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property. When overall levels of traffic change, the number of claims can change too. Crime rate A spate of crimes resulting in more car insurance claims could result in higher premiums to reflect the risk level of your car’s location.
We’ve partnered with MoneySuperMarket to help you compare a wide range of car insurance options in one place, with added insight from Which? We reviewed six Direct Line policies, but only one made it into the top 10 of our table You can speak to Direct Line using webchat or their WhatsApp messaging service.
Modified cars might look great and may improve your car’s performance, but they’re usually more expensive to insure. However, you do need to take your insurance certification with you to prove you have vehicle insurance Yes, policyholders can add temporary additional vehicles to their policy for up to a maximum of 90 days in a period of cover. The cover is limited to third party only and should be viewed as emergency cover. However, there are restrictions to this benefit such as age (must be over 25 at policy inception / renewal date) and occupation. Traffic levels The level of traffic on UK roads will change over time, influenced by things like the cost of petrol.
New car replacement for 24 months
You’ll need your policy number and documents, your vehicle registration and your crime reference number, if applicable. Direct Line’s Essentials policy scored 55%, and its Essentials Online scored 53%. ‘-‘ represents where we have insufficient sample size (less than 40) to generate a star rating. However, another customer wasn’t so satisfied, stating that they had to ‘constantly chase information’ about a claim. Direct Line earned a customer score of 74% which puts it in 9th place in our table of 12 car insurance providers. These are Premium Online (which scored 67%), Standard Online (65%) and Essentials Online (53%).
- We asked Direct Line customers who have recently made a claim how they felt about their car insurance.
- You can drive other cars as long as you have permission from the vehicle owner.
- These extras are optional, so it’s up to you what you include.
- We’ll cover you for any damage caused to your car by using the wrong fuel.
- However, another customer wasn’t so satisfied, stating that they had to ‘constantly chase information’ about a claim.
- You’ll need your policy number and documents, your vehicle registration and your crime reference number, if applicable.
- Where you live Some areas are riskier than others, and accidents are more likely if you live in an area with relatively high traffic levels.
How did customers rate Direct Line’s car insurance?
Having more drivers on an insurance policy may push the cost up depending on their driving history, age, points, convictions and claims history. Personal details Your address, driving license info, previous claims and other named drivers on your policy. 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. However, providers can’t be Best Buys if there’s evidence – either from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims. It also scored 74% when assessed specifically for its claims service (joint 8th out of 14). Type of vehicle you drive Your car’s value, engine size and desirability could increase the risk of it being stolen or the cost of it being repaired.
- We’ve partnered with MoneySuperMarket to help you compare a wide range of car insurance options in one place, with added insight from Which?
- No matter what your age, safe drivers could save money at renewal with our DrivePlus telematics technology.
- Policy start date An inaccurate or change in start date may affect your premium.
- A good option if you’re looking for affordable comprehensive protection that covers the essentials.
- The cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property.
What does Direct Line car insurance cover?
A child car seat provides essential safety for a child in the event of an accident. Whether you’ve saved up for it, taken out a loan to finance it or the bank of mum and dad are stepping in, it’s something you’ll never forget. In the insurance industry, this rule change is known as Pricing Practices Regulation, or PPR. From January 2022, all insurers must make sure existing customers are offered the same price at renewal as they would get when buying a new policy.
Driver age and experience On average, experienced drivers are less likely to have an accident than newer drivers. We assess how important different policy elements are to drivers when choosing and using car insurance, and weight different areas of cover accordingly. Direct Line offers a discount if you insure multiple cars with it, but the size of this discount varies. The average customer and claims scores were 76% and 75%.
With Comprehensive Plus it’s 24 months. It was among the top 10 policies we reviewed, with a score of 69%. Of the six Direct Line policies we reviewed, its Comprehensive Plus policy did best in our analysis. See how this compares with the best car insurance, or read more about how we rate car insurance. We’ve reviewed all six of these Direct Line policies. Direct Line has been one of the biggest names in car insurance since it launched in 1985 as the first insurance provider to offer policies exclusively by phone.
We analyse and rate 94 myvip casino key elements of car insurance policies to come up with the overall policy score. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we’ve rated. We review a lot of policies, and our Best Buy recommendation recognises the individual products that stood out as being the most comprehensive in our analysis. Maybe – we’re fans of the cover offered by its top policies, but we have some concerns about its service.
