First Direct 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 First Direct 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 First Direct 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 First Direct 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 First Direct’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,0 Safe overall rating for First Direct

Safe ratingOur opinion
Customer service & satisfaction
and claims

Social media availability
5 star Defaqto rating
Information about services provided are detailed on the website
Low reviews recorded on third party websites

Cover provided for your home

Contents cover up to £50,000
Unlimited cover for building insurance provided
Cover for Contents temporarily removed from home up to £5,000
Religious festivals and wedding gift cover up to £3,000 is offered
3o days unoccupancy period which is on the low side

Value for money

15% discount is given to policyholders when the insurance policy is gotten online
No administrative fees (adjustments, payment default, cancellation) is charged
NCD is not available

Financial strength

First Direct’s Home Insurance was underwritten by Aviva Insurance Limited

Technology

Social media availability
Useful documents are available on the website
Customer login option is provided
No live chat or chat bot

Safe rating for First Direct home insurance

Expert and customer satisfaction reviews for First Direct home insurance

Review organisationFirst Direct home insurance reviews

Defaqto expert
defaqto 5 stars
TrustPilot2,2/5 based on 1,956 customer reviews
Smart Money People

4/5 based on 1 customer review

Consumer satisfaction rates on reviews for First Direct home insurance

Our general opinion on First Direct home insurance

First Direct provides one level of home insurance which is rated 5 stars by Defaqto. Customers reviews recorded on TrustPilot have a low rating of 2.2 which means there is something wrong with the claims process. Their rating on Smartmoneypeople is 4.5 but that is only based on one review.

First Direct offers Comprehensive 5* Home Insurance which includes the building and content insurance. For the building insurance, unlimited cover is given for building insurance which when compared to other insurers is a good selling point for First Direct. A sum of £2M is given for liability, trace access cover of £5000 is provided, cover for subsidence is offered, cover is provided for burst pipes. In terms of services offered, First Direct is highly recommended.

The contents insurance provides special optional covers like the Clerical business equipment cover, Religious festivals and wedding gift cover. Up to £80000 worth of cover is provided for content insurance, cover is provided for temporarily removed items, home emergency, bicycle, legal protection covers are offered as optional extras. However, most of the important details are only available in the policy documents and this might be discouraging for potential policyholders.

Their services are recommended but there are better insurance companies that can be chosen.

What does First Direct 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 First Direct 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 First Direct covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

First Direct buildings and contents insurance

First Direct 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:

First Direct building insuranceLimits
Maximum sum insured

Unlimited

Owner liability

£2 000 000

Alternative emergency accomodation

£80 000

Period of home’s unoccupancy cover

30 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Not covered

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

As standard

Keys cover

£1 000

Flood and storm damage (except for fences)

As standard

First Direct 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

£80 000

Owner liability

£2 000 000

Alternative emergency accomodation

£10 000

Period of home’s unoccupancy cover

30 days

Damage made by pets

Not covered

Contents kept in garden

Only stated in policy schedule

Contents kept in outbuildings (garage included)

Only stated in policy schedule

Thefts from outbuildings

£3 000

Single item limit for valuables

£1 500

Items temporarily removed from home

£5 000

Money in and outside the homeInside:

£750


Outside:

£750

Credit cards in and outside the homeInside:

£1 000


Outside:

£1 000

Business equipment kept at home

Only stated in policy schedule

Student equipment

Not Stated

Keys cover

£1 000

First Direct contents insurance

First Direct home insurance additional cover

On top of your First Direct 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 £1,000 limit per call out
  • Up to £1,000 limit for emergency accommodation in the case that the house is uninhabitable
Boiler cover
  • Part of the home emergency optional extra
  • Up to £500 for boiler replacement
Legal protection
  • Optional extra
  • Up to £50,000 for legal representation
Personal possessions
  • Optional extra
  • Cover between £2,000 and £10,000
Mobile cover
  • Optional extra
  • Limit amount is not stated
Bicycle cover
  • Optional extra
  • Limit is between £300 to £2,500

First Direct 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 claimsOnly stated in policy schedule
Excess for escape water claimsOnly stated in policy schedule
Excess for subsidence claimsOnly stated in policy schedule
Excess for personal possessionsOnly stated in policy schedule
Excess for keysOnly stated in policy schedule
First Direct home insurance main excess

First Direct home insurance fees and NCD

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

Fees applied to manage your First Directhouse policy
Interests on payment installments0,00%
To renew my policy£0
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£0
For payment default£0
To switch from one insurer to First DirectNot covered
Home insurance fees at First Direct

How much does First Direct home insurance cost?

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

Building insuranceContents insurance
ExcessOnly stated in policy scheduleOnly stated in policy schedule
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£173,89£341,20
Home insurance quotes at First Direct

It is very difficult to give a precise range of how much exactly will your home insurance cost at First Direct 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.

First Direct 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.

First Direct home insurance discounts available

15% discount is given for combined policy.

How do I a claim on First Direct home insurance?

Claims can only be made via the company’s 24/7 line.

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 First Direct home insurance?
Claim by phone

0345 300 6032

How to claim on my home insurance at First Direct

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

How can I cancel First Direct house insurance?

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

Cancelling your home insurance at First Direct
Cancellation notice if First Direct cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £0
Cancel by phone

03 453 006 031

How to cancel my First Direct home insurance

How to contact First Direct home insurance?

ServicesPhone numbersOpening hours
Quotes

03 456 100 101

Mon-Fri, 8am-9pm
Sat-Sun, 9am-5pm

Claims

03 453 006 032

24/7

Personal Legal and Tax advice helpline

0800 051 1716

24/7

Legal Expenses

0800 051 1716

24/7

Home Emergency service

03 453 000 957.

24/7

How to contact First Direct home insurance

First Direct home insurance contact details

First Direct contact details
First Direct address

First Direct Home Insurance
1 Centenary Square,
Birmingham,
B1 1HQ

Customer service email

Not available

Chatbot available

Not available

First Direct contact details

How do I log in to First Direct customer portal?

Login Option is only available for Online Banking

How do I get First Direct home insurance quotes? 

To get a quote online at First Direct, 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 First Direct 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 First Direct 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 First Direct 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.