Direct Line home insurance overview
Established in April 1985, Direct Line has grown significantly over the years and now has over 10 million customers across the UK. It offers a wide range of financial products including home insurance, car insurance, and pet insurance.
Direct Line Insurance belongs to the Direct Line Group which also owns Churchill, Privilege and Green Flag, and its home insurance is underwritten by U K Insurance Ltd.
- Read our reviews of all the insurers who took part in our home insurance analysis
Does Direct Line offer the best home insurance?
Here's how Direct Line scored in our latest home insurance survey:

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.
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.
Direct Line’s Home insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
In detail: every part of Direct Line's Home insurance rated
Table last updated in March 2020. Next update in February 2021.
Does Direct Line offer different levels of home insurance cover?
Direct Line also offers Home Plus home insurance, which features a higher level of cover, generally for a higher premium.
To see how Direct Line's home insurance compares to other policies check out our guide on the best and worst home insurance.
How did customers rate Direct line's home insurance?
As well as looking at how Direct Line's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.
How Direct Line's home insurance scored for seven elements of customer satisfaction
Customer satisfaction element | Which? customer rating |
---|---|
Application process | - |
Clarity of policy | |
Dealing with queries | |
Ease of managing your policy online | |
Treatment of longstanding customers | |
Dealing with complaints | |
Value for money | |
Table last updated in March 2020. Next update in February 2021.
"-' represents where we have insufficient sample size (less than 30) to generate a star rating
What is Direct Line's claims number?
If you need to make a claim with Direct Line home insurance call 0345 303 1686 or you can make a claim online.
According to Direct Line, you'll be able asked to provide personal details, such as your address, as well as a description of what happened, where the incident took place and how much you are claiming for.
Find out more about claiming successfully in our guide to making a home insurance claim.
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