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!
Table of Contents
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 Criteria||Safe Rating||Our Review|
|Customer service satisfaction, claims and support|
4.1/5 rating on TrustPilot
Direct Line provides Over 50s cover
|Value for money|
Discounts of 7% for existing Direct Line customers
Direct Line’s policies are underwritten by both AIG and Legal & General
|Apps and technologies|
Quotes can be gotten online
Expert and customer satisfaction reviews for Direct Line
|Review organisation||Consumer satisfaction rates for Direct Line Life insurance|
|Trustpilot||4,1/5 based on 3,542 reviews|
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.
|Criteria||Direct Line details|
|Minimum age||17 years|
|Maximum age||75 years|
|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|
A cover calculator is available on the website
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.
|Criteria||Direct Line life insurance|
|Minimum term||3 years|
|Maximum term||50 years|
|Minimum monthly premium||£5|
|Extras or any interesting facts|
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.
|Direct Line term life insurance (level)|
|Direct Line decreasing term life insurance, also known as life insurance for mortgage|
The Decreasing cover that Direct Line offers provides the following:
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:
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.
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.
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:
|Criteria||Overall life insurance and critical illness cover|
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:
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
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:
|Service||Phone Numbers||Opening Hours|
|Get a quote at Direct Line||Not available||Not available|
|How to claim at Direct Line||AIG- 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
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:
Facebook, Twitter, YouTube, Instagram
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|
|Claim by email||AIG: [email protected]|
|Claim by phone||AIG- 03303 039985 <br>L&G- 0800 137 101|
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|
|Cancel by mail|
|Cancel by email|
|Cancel online||Not available|
|Cancel by phone|
0370 010 4080
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 phone||Not available|
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.
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.
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.
Yes, it is worth getting life insurance when people depend on you financially, like your family.
Lots of life insurance providers offer free gifts:
– Royal London
– Legal & General
– Shepherds Friendly
– British Seniors Insurance Agency
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.
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.