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Direct Line car insurance review

Read Which?'s expert review of Direct Line's car insurance and find out how we rate Direct Line's car insurance policy against 30 other providers.

In this article
Direct Line car insurance overview Direct Line's car insurance policy: is it good or bad?

Direct Line car insurance overview

The insurer has been the market leader for car insurance since being launched by Peter Wood as the first telephone insurance provider in 1985. It floated on the stock market in October 2012.

What you need to know about Direct Line's car insurance

  • Unlimited cover for windscreens, windows and sunroofs
  • No adjustment or setup fees
  • Total loss courtesy car cover as standard

Direct Line came sixth overall in our rankings. Of the 31 providers in the analysis, it achieved a top ten placing for policy cover and was among the top five for its Customer Score. 

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Direct Line's car insurance policy: is it good or bad?

We analyse and rate the 53 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. 

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

Table last updated in January 2018. Next updated in July 2018.

Most important policy elements
Policy element Details Rating
Interest charged on payment by instalments (APR) Subscriber only content Subscriber only content
No fault no claims discount (NCD) benefit? Subscriber only content Subscriber only content
Uninsured driver NCD benefit? Subscriber only content Subscriber only content
Renewal fee Subscriber only content Subscriber only content
NCD protection claims (number per year) Subscriber only content Subscriber only content
Theft of keys limit Subscriber only content Subscriber only content
Fire excess (standard compulsory) Subscriber only content Subscriber only content
Theft excess (standard compulsory) Subscriber only content Subscriber only content
Accidental damage excess (standard compulsory) Subscriber only content Subscriber only content