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Established in April 1985, Direct Line is one of the largest UK insurers – offering home insurance, car insurance, pet insurance, travel insurance, life insurance and more.
Direct Line Insurance belongs to the Direct Line Group, which also owns Churchill and Privilege, and its home insurance is underwritten by U K Insurance Ltd. In December 2024, the Direct Line Group was bought by Aviva.
We've reviewed Direct Line's standard home insurance policy and its pricier Plus policy.
This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.
Get a quotePlease note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
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You won't find Direct Line on comparison websites, making it more difficult to compare with insurers that are.
It's still worth checking out what the competition offers on comparison sites, though – including Direct Line's sister brands, Churchill and Privilege. Importantly, though, these brands don't offer identical policies.
Direct Line's policies are typically cheaper online than over the phone – although if you think Direct Line can do better than its online price, it's still worth phoning to see if you can haggle it down. The same stands if you're already with Direct Line and aren't happy with its renewal offer.
If you're with another provider and want to take out a Direct Line policy, it reimburses up to £55 if you incur a cancellation fee for switching ahead of your renewal date.
For other ways to save money on home insurance, see our guide.
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If you need to make a claim with Direct Line home insurance, you can claim online at www.directline.com/home-cover/claims or call 0345 246 8412.
Does Direct Line Home Insurance Plus include travel insurance?
No - Home Insurance Plus has higher levels of home insurance cover than the standard policy, but it doesn't include free travel insurance.
Who owns Direct Line insurance?
Direct Line is part of the Direct Line Group, and its sister home insurance brands include Churchill and Privilege. In December 2024, the Direct Line Group was bought by Aviva.
Is Direct Line insurance cheaper?
Home insurance is personally priced - meaning each customer gets their own price according to their risk and the insurer's appetite to take on or retain their custom. Consequently, while Direct Line will be cheap for some customers, it will be more expensive for others.
Is Direct Line home insurance any good?
Its Plus policy impressed us on the strength of its cover - leading to us awarding it a Best Buy. The brand also did comparatively well in our Customer Survey when compared to other insurers.
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