We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies as per our policy which also explains how to change your preferences.

Direct Line home insurance review

Read Which?'s expert review of Direct Line's home insurance policies, find out how we rate Direct Line's contents and buildings insurance and how it compares to dozens of other home insurance companies.

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

Direct Line home insurance overview

Direct Line's big selling point is that it's not on price comparison sites - so you have to contact the insurer 'direct' to get a quote. It's part of the same group as Churchill, Privilege and Green Flag.

Direct Line's home insurance policies are underwritten by UK Insurance Limited. 

What you need to know about Direct Line's home insurance: 

  • Legal expenses option available up to £100,000
  • Charges a cancellation fee of £43.68
  • Burst pipes covered 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.

Home And Mobile 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 25% each of Buildings and Contents policy scores.
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.
Buildings policy score
Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
Contents policy score
Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
Sign up for a £1 trial for Which? Money for two months to reveal Direct Line’s score

Direct Line’s home insurance policy: is it good or bad?

We analyse and rate 60 of the most important elements of standard home insurance policies to come up with the overall policy score. We assess how important each individual element is when choosing and using a home 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 to 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 September 2018. Next updated in February 2019.

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out score Logged out stars Buildings and contents
Renewal fee (£) Logged out score Logged out stars Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out score Logged out stars Buildings and contents
Home emergency cover (£) Logged out score Logged out stars Buildings and contents
Owner's / Occupier's liability (£) Logged out score Logged out stars Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out score Logged out stars Buildings and contents
Subsidence - standard, optional, not covered? Logged out score Logged out stars Buildings only
Alternative accommodation (£) Logged out score Logged out stars Buildings only
Burst pipes - standard, optional, not covered? Logged out stars Logged out stars Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out score Logged out stars Buildings only

Single item limit for valuables - max limit (£)

Logged out score Logged out stars Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out score Logged out stars Contents only
Contents in outbuildings - including garages (£) Logged out score Logged out stars Contents only
Theft from outbuildings (£) Logged out score Logged out stars Contents only
Personal Possessions - standard, optional, not covered? Logged out score Logged out stars Contents only
Personal Possessions limit within a car (£) Logged out score Logged out stars Contents only
Pedal cycles - standard, optional, not covered? Logged out detail Logged out stars Contents only
Mobile phones - standard, optional, not covered? Logged out score Logged out stars Contents only
Does mobile phone cover include calls? Logged out score Logged out stars Contents only