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
Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.
Direct Line's car insurance policy: is it good or bad?
We analyse and rate the 58 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 2019. Next updated in January 2020.
|Interest charged on payment by instalments (APR)|
|No fault no claims discount (NCD) benefit?|
|Uninsured driver NCD benefit?|
|NCD protection claims (number per year)|
|Theft of keys limit|
|Fire excess (standard compulsory)|
|Theft excess (standard compulsory)|
|Accidental damage excess (standard compulsory)|
Get top money-saving tips from Which?
Sign up to the Which? Money Weekly newsletter to get our latest news, tips and deals straight to your inbox.