Is Direct Line The Best Life Insurance Policy?

antoine fruchard Antoine Fruchard  updated on July 29, 2020

This is the ultimate review to guide you through the ins and outs of Direct Line life insurance. You might already know that Direct Line has several different contract options. 

Some are great. Some are less useful. Some are simply too expensive.

So, if you want to get better value for money from your insurance contract, as well as indicative quotes and tips to lower your insurance premium, then you’ll probably love the following article.

Let’s dive right in!

Is Direct Line the best life insurance for you?

When taking out life insurance, there are so many things to think about. Life insurance is one of the most important insurance plans to have, as it is the best way to protect your loved ones if something happens to you. 

Direct Line life insurance has a lot to offer. Here are the main points that you should look at before taking out life insurance with Direct Line. 

4 Safe overall rating for Direct Line

Rating CriteriaSafe RatingOur Review
Customer service satisfaction, claims and support

4.1/5 rating on TrustPilot
5 star rating on Defaqto
Policy documents are available on the website
Chat bot is available
No live chat option

Coverage options

Direct Line provides Over 50s cover
There is an option to pick between level term or decreasing term cover
Single and joint policies are available
Whole-of-life cover is not provided
Only three critical conditions are covered

Value for money

Discounts of 7% for existing Direct Line customers
Protected Insurance Amount is given. This means that if the policyholder stops paying the Over 50s Life Insurance, cover will still be provided if he/she dies provided that at least half the payments on your policy has been made
£10,000 advance payment in the case that a claim has been agreed on but the final payment has not been made

Financial strength

Direct Line’s policies are underwritten by both AIG and Legal & General
99% of life insurance claims were paid out in 2018 based on AIG data

Apps and technologies

Quotes can be gotten online
Very detailed information is provided on the website
Policy documents can be easily accessed
Chatbot is available
No live chat option

Safe rating for Direct Line Life insurance

Expert and customer satisfaction reviews for Direct Line

Review organisationConsumer satisfaction rates for Direct Line Life insurance
Trustpilot4,1/5 based on 3,542 reviews
Defaqto5
Experts rating for Direct Line

Direct Line insurance in a nutshell

In summary, here are the main features you need to know when taking out life insurance with Direct Line. 

CriteriaDirect Line details
Minimum age17 years
Maximum age 75 years
Pay-outNot Stated
Life insurance with free gifts– A gift card worth up to £180 is given to new policyholders who retain their life insurance policy for up to six months. <br>- £100 gift card when you buy Over 50s Life Insurance
Extras

A cover calculator is available on the website

Terminal illnessYes
Direct Line life insurance in a nutshell

What are Direct Line life insurance policy types?

When choosing life insurance, you have to make a lot of important decisions. You have to choose between different policy types to find which one would best cover your needs. As the first big choice, you have to choose between: 

  • Term life insurance. Term insurance splits into two types: level term or decreasing insurance. If you choose a term insurance, once again you would have to choose between these two. Sometimes, there is an increasing term insurance option. 
  • Whole of life insurance. This insurance will pay out when the policyholders die. Not all insurers offer this type of coverage. 

What is Direct Line term life insurance? 

There are two term life insurance options:

  • Level cover guarantees that your loved ones get a payment if you die during a specific period of time. You will receive the same amount during a fixed period. Life insurance can be for 5,10, 20 years, etc., depending on your needs. 
  • Decreasing cover guarantees that your loved ones get a payment if you die during a specific period of time. The amount decreases over the policy term. It is really useful if you have a loan, as the price tends to decline over time. You can choose an increasing cover as well.
CriteriaDirect Line life insurance
Minimum term3 years
Maximum term50 years
Pay-outNot Stated
Minimum monthly premium£5
Extras or any interesting facts 
  • A second medical opinion is provided via Best Doctors
  • Winston’s Wish
Direct Line term life insurance

Should you take level or decreasing term life insurance?

Direct Line offers two types of term life insurance: one is level life insurance, the other one is decreasing life insurance. 

CriteriaProvider Details
Direct Line term life insurance (level)
  • Direct line offers both single and joint policies
  • Cover is provided for as low as £5 a month
  • £10,000 advance payment is given in the case that a claim has been agreed but the policyholder is waiting on final payment
Direct Line decreasing term life insurance, also known as life insurance for mortgage

The Decreasing cover that Direct Line offers provides the following:

  • Fixed monthly payments amounts
  • The decreasing cover is designed to reduce every month in line with a repayment mortgage that has a fixed interest rate of 8%
  • This type of insurance is used to cover the outstanding cost of mortgage
Level or decreasing life insurance

Some providers also propose increasing life insurance, which is a similar concept as decreasing life insurance, but with the premiums getting higher rather than lower.

Direct Line does not offer Increasing cover

Can you take out a Direct Line life insurance with someone else?

Yes, you can either have a single or a joint policy at Direct Line.

Taking out a joint policy covers two people that are together under the same policy. In the end, it is cheaper than two single policies. It covers both of your contributions to the family. It only pays out once, and the sum will be given to the other partner if one dies. It leaves the surviving member of the couple without life insurance after the death of the first partner. 

Taking out a single policy pays for one person only. It pays out the amount chosen. Taking out two policies is more expensive, but you can choose the level you want, and it’s beneficial if the two partners don’t need to be insured at the same level. 

 What are Direct Line life insurance extras? 

You can add these extras at additional cost to your Direct Line life insurance: 

Details Reviews
Best Doctors

Direct Line in conjunction with AIG provides a Best Doctor service that is completely covered by the insurance policy. In the case that the policyholder is diagnosed with a serious illness, this service can be used to get a second opinion from a medical expert.

Winston’s Wish

Practical support is provided for bereaved children in the case that their parents (the policyholders) die.

Terminal illness cover

This is provided by Legal and General. This cover is provided if the policyholder has been diagnosed with a terminal illness during the course of the policy term and is expected to die within 12 months.

Accident Hospitalisation Benefit

This benefit is offered by L&G and a sum of £5,000 if the policyholder is admitted to a hospital with physical injuries for a minimum of 28 consecutive days immediately following an accident.

Children critical illness cover

This cover is automatically included if the Critical Illness Cover is chosen. The amount payable for each child under the policy will be the lower of 50% of the amount of cover and·£25,000.

Direct Line life insurance extras

Should you take out Direct Line life insurance critical illness cover?

What is critical illness cover? 

It is an extra that can be added to your policy, or can be combined with your standard life insurance. It pays out if you contract a disease. The illness developed must be specified in your policy contract. The most common illnesses covered are cancer and heart attacks, etc. If you become really ill, your insurance will pay out exactly as if you’ve passed away. 

Is Direct Line the best critical illness cover? 

Here are the main features when you take out Direct Line life insurance with serious illness:

CriteriaOverall life insurance and critical illness cover
Coverage

The Critical illness cover that Direct Line is also called Critical 3 and it can only be added to an already existing insurance policy and it offers the following:

  • Insurance for three specific conditions, in addition to your life insurance
  • Cover is provided for children
  • Cover is provided for only three critical conditions which are Stroke, Cancer and Heart attack
Children’s Cover

Whether you opt for this cover or not, all your children will automatically qualify for critical illness cover at no extra cost. No additional information is provided as regards this on their website.

What should you know about Direct Line critical illness cover?

99% of life insurance claims were paid out in 2018

Direct Line life insurance

How much is Direct Line life insurance?

The big question is knowing how much life insurance you’ll need. Your answer to this question (as well as your age) will mainly determine the price of your life insurance:

However, your life insurance price will also depend on several factors: 

  • Your medical conditions
  • Whether or not you are a smoker 
  • Which add-ons you add to your life insurance 
  • Your salary
  • The coverage you want
  • Whether you take out a joint policy or not 

So you must ask yourself the relevant questions for your own situation, for example: Do you have a loan? Do you have savings? Do you have debts? Do you have a family? Does your job offer protection? 

How to contact Direct Line life insurance?

Here are all the important phone numbers for contacting Direct Line life insurance: 

ServicePhone NumbersOpening Hours 
Get a quote at Direct LineNot available Not available
How to claim at Direct LineAIG- 03303 039985
L&G- 0800 137 101
AIG- Mon – Fri 8.30am – 8pm
Saturday 8.30am – 5.30 pm

L&G- Mon – Fri 9am – 5.30 pm
How to cancel at Direct Line

0370 010 4080

Monday to Thursday from 9:00am – 6:00pm
Friday 9.00am – 5:30 pm
Direct Line phone numbers

What are Direct Line general contact details? 

You will find in this table all the general contacts that you would need if you want to reach Direct Line life insurance: 

General contacts
Mailing address

The Wharf
Neville Street
Leeds
LS1 4AZ

Social media 

Facebook, Twitter, YouTube, Instagram

Chatbot

Yes

Direct Line general contacts

How to claim at Direct Line life insurance? 

You will find on this table the different possibilities for reporting a claim on your Direct Line life insurance: 

How to claim on your life insurance at Direct Line?
When to claim?

As soon as possible

Claim by mail

L&G:
Legal & General Assurance
Society Limited
City Park
The Droveway
Hove East
Sussex
BN3 7PY

AIG:
Claims Team
AIG Life Limited
PO Box 12010
Harlow
CM20 9LG

Claim by emailAIG: [email protected]
Claim online

Not Available

Claim by phoneAIG- 03303 039985 <br>L&G- 0800 137 101
Claim at Direct Line life insurance

How to cancel my Direct Line life insurance? 

You will find on this table the different ways to cancel your Direct Line life insurance: 

How to cancel your life insurance at Direct Line
Fees
  • If you cancel within 30 days the premium paid would be refunded fully
  • If the cancellation is done after 30 days, no refunds would be made
Cancel by mail

L&G:
Legal & General Assurance
Society Limited
City Park
The Droveway
Hove East
Sussex
BN3 7PY

Cancel by email

Not available

Cancel onlineNot available
Cancel by phone

0370 010 4080

How to cancel my Direct Line life insurance?

How do I get Direct Line life insurance quotes? 

Here are the different ways to get a life insurance quote at Direct Line: 

How to get a life insurance quote at Direct Line
Quote online
  • On the Home Page, Click on the "Get a quote" option
  • Select the type of quote you want
Quote phoneNot available
Get a quote at Direct Line

How do I log into Direct Line life insurance?

Click on the "My Account" option on the Homepage

Do we recommend Direct Line life insurance?

Direct Line was founded in 1984 and their insurance policies are underwritten by AIG and has received a 5-star rating from Defaqto and a 4.1 rating on TrustPilot. Direct Line offers both single and joint life insurance policies, level term and decreasing term cover and also an over 50s cover policy. Critical illness cover is available. Direct Line offers a lot of incentives to its customers like the 7% discount on life insurance, and the £10,000 advance payment. Their services are trusted and recommended.

What is life insurance? 

Life insurance is a contract between an insurance company and the policyholder. In exchange for an annual or monthly premium, the insurance company agrees to give out to a designated beneficiary a lump sum if the policyholder were to pass away. 

How does life insurance work in the UK?

Like with other types of insurance, it is a standard procedure: the policyholder pays a premium to a provider, with an agreed level of cover. 

Is life insurance worth getting?

Yes, it is worth getting life insurance when people depend on you financially, like your family.

What are the best life insurance with free gifts?

Lots of life insurance providers offer free gifts: 
– Royal London
– Legal & General
– Aviva
– Shepherds Friendly 
– OneFamily 
– British Seniors Insurance Agency

How much is life insurance in the UK? 

How much life insurance in the UK is depends on a lot of factors. However, with our data, we calculate that the average monthly cost of life insurance is £15. Of course, the price will depend on whether you take out joint or single life insurance, and the term of your insurance if you are not taking out  a whole life insurance policy. 

What is the best life insurance in UK?

There are lot of life insurance policy that have interesting features. Depending on these features, you can decide if this life insurance suits you. 
To find what is the best life insurance for you, use our tool to compare prices and offers from all the insurers on the market instantly.