Direct Line Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Direct Line is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Direct Line home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Direct Line the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Direct Line’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,5 Safe overall rating for Direct Line

Safe ratingOur opinion
Customer service & satisfaction
and claims

4,1/5 on Trustpilot
Efficient claim process
3 levels of cover rated 5 stars by Defaqto

Cover provided for your home

3 levels of cover
Standard insurance: legal expense cover up to £100 000 (optional extra)
Up to £25 000 only for emergency accommodation with building insurance
Max contents sum insured of £50 000
Credit card not covered by contents insurance

Value for money

35% discount when buying online combined policy
Switching fees refund of £55
High cancellation fees even during cooling-off period of £44

Financial strength

Home insurance underwritten by U K Insurance Ltd


Virtual Assistant available
Customer portal
Claim form online available

Safe rating for Direct Line home insurance

Expert and customer satisfaction reviews for Direct Line home insurance

Review organisationDirect Line home insurance reviews

Defaqto expert
defaqto 5 stars
Trustpilot4,1/5 based on 3,456 customers reviews
Overall Which? Score


Consumer satisfaction rates on reviews for Direct Line home insurance

Our general opinion on Direct Line home insurance

Direct Line provides 3 levels of home insurance cover, all rated 5 stars by the expert Defaqto.

The standard home insurance plan is described in details below. Features and benefits are average although alternative accommodation cover for both building and contents are quite low.
The Home Insurance Plus level of cover has no maximum sum insured limit for building insurance and you can insure up to £100k value for your contents.
The building insurance plan also covers up to £10 000 for trace and access and up to £80 000 for alternative accommodation.
Personal possessions, accidental damage, home emergency and family legal protection are all included as standard (instead of as optional extras in the standard insurance plan).

The Select Premier also offers unlimited sum insured for building insurance, as well as for contents insurance and alternative accommodation cover. Trace and access cover limit reaches £15K. Home Emergency is included as standard and allows up to £1500 per call out.

You can choose between reporting your claim online or by phone. Customer reviews on Trustpilot are great which means the company must handle claims efficiently.

What does Direct Line home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Direct Line will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Direct Line covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Direct Line buildings and contents insurance

Direct Line provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Direct Line building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£2 000 000

Alternative emergency accomodation

£25 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Optional extra

Gradual build-up of groundwater

As standard


As standard

Underground services

As standard

Keys cover

Up to £1M

Flood and storm damage (except for fences)

As standard

Direct Line building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£50 000

Owner liability

£2 000 000

Alternative emergency accomodation

£15 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Available as extra

Contents kept in garden

£1 000

Contents kept in outbuildings (garage included)

Up to £50 000

Thefts from outbuildings

£2 500

Single item limit for valuables

£2 000

Items temporarily removed from home

£5 000

Money in and outside the homeInside:



£500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

Not covered


Not covered

Business equipment kept at home

£5 000

Student equipment

£5 000

Keys cover

Up to £1M

Direct Line contents insurance

Direct Line home insurance additional cover

On top of your Direct Line buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £500 per call out
  • Up to £250 for emergency accommodation (1 night)
Boiler cover
  • Part of the home emergency optional extra
  • Up to £500 for boiler repair
  • Up to £250 for boiler replacement
Legal protection
  • Optional extra
  • Up to £100 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £10 000 for personal possessions cover at home
  • Up to £7 499 for single item limit away from home
  • Up to £1 000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £2 000 limit
Bicycle cover
  • Part of the personal possessions cover
  • Up to £3 000 limit

Direct Line home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£100
Excess for escape water claims£450
Excess for subsidence claims£1 000 to £2 000
Excess for personal possessions£100
Excess for keys£100
Direct Line home insurance main excess

Direct Line home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Direct Line fees are as follows:

Fees applied to manage your Direct Linehouse policy
Interests on payment installmentsVariés
To renew my policy£0
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off period£44
To cancel my policy outside cooling-off period£44
For payment default£0
To switch from one insurer to Direct Line£55
Home insurance fees at Direct Line

How much does Direct Line home insurance cost?

You will below indicative quotes for building and contents insurance at Direct Line:

Building insuranceContents insurance
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at Direct Line

It is very difficult to give a precise range of how much exactly will your home insurance cost at Direct Line as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Direct Line will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Direct Line home insurance discounts available

35% discount when buying online combined building and contents insurance.

How do I a claim on Direct Line home insurance?

At Directline, you can report your claim to the claim management team by phone. You can also report the claim online by filling the claim form on the company’s website.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Direct Line home insurance?
Claim online

Claim form

Claim by phone

0345 303 1714

How to claim on my home insurance at Direct Line

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Direct Line house insurance?

To cancel your Direct Line house insurance, here is what you need to know: 

Cancelling your home insurance at Direct Line
Cancellation notice if Direct Line cancel your policy14 days
Cancellation feesFees during cooling-off period: £44
Fees outside cooling-off period: £44
Cancel by phone

To cancel, call 0345 878 8957.

Monday to Friday: 8am to 7pm
Saturday: 9am to 5pm
Sunday: Closed

How to cancel my Direct Line home insurance

How to contact Direct Line home insurance?

ServicesPhone numbersOpening hours
Existing customers

0345 246 8372

Mon – Fri: 8am – 7pm
Sat: 9am – 5pm
Sun: Closed


0345 303 1714

Monday to Friday
8am – 6pm
9am – 2pm

24-hour emergencies

0345 878 5081


Cancel your policy

0345 878 8957

Monday to Friday: 8am to 7pm
Saturday: 9am to 5pm
Sunday: Closed

How to contact Direct Line home insurance

Direct Line home insurance contact details

Direct Line contact details
Direct Line address

Direct Line
Churchill Court, Westmoreland Rd,
Bromley BR1 1DP, UK

Customer service email

Not available

Chatbot available

Webchat is available here:

Direct Line contact details

How do I log in to Direct Line customer portal?

You can log in to Direct Line My Account through:
You will be able to:

  • make changes to your policy
  • request and upload documents
  • save and retrieve quotes.

How do I get Direct Line home insurance quotes? 

To get a quote online at Direct Line, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Direct Line is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Direct Line home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Direct Line house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.