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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

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.

 

Car Insurance
Direct Line review
Overall Which? score
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score.
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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 July 2018. Next updated in January 2019.

Policy element Details Rating
Interest charged on
payment by instalments (APR)
Logged out score Logged out score
No fault no claims discount
(NCD) benefit?
Logged out score Logged out score
Uninsured driver NCD benefit? Logged out score Logged out score
Renewal fee Logged out score Logged out score
NCD protection claims
(number per year)
Logged out score Logged out score
Theft of keys limit Logged out score Logged out score
Fire excess
(standard compulsory)
Logged out score Logged out score
Theft excess
(standard compulsory)
Logged out score Logged out score
Accidental damage excess
(standard compulsory)
Logged out score Logged out score

 

 

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