Reviewed: Direct Line Home Insurance | moneyfacts.co.uk

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Published: 26/11/2021

Moneyfacts has awarded Direct Line a five-star rating across several of its home insurance policies, making it one of the best home insurance providers of 2021. In order to achieve such an accolade, providers have to excel in terms of pricing, service and coverage, and Direct Line is able to deliver on all fronts. 

 

What’s included in a Direct Line home insurance policy

Direct Line home insurance offers three core packages, each with slightly different levels of cover. Here’s what you can expect from each of them.

Home Insurance

The base package offers buildings insurance of up to £1 million and contents cover of up to £50,000, as well as alternative accommodation cover of up to £40,000 (up to £25,000 for buildings insurance and up to £15,000 for contents), while trace and access costs (replacing any part of a building that had to be removed to access escaping water) are covered up to £5,000. 

Home Insurance Plus

The mid-range package offers unlimited buildings cover and contents insurance is extended to £100,000, with alternative accommodation  cover doubled to £80,000 (up to £50,000 for buildings insurance and £30,000 for contents) and trace and access cover doubled to £10,000. Sets and suites cover is also included (where an entire suite or collection of items will be repaired or replaced), as is cover for personal possessions, accidental damage for both buildings and contents, home emergency and family legal protection. 

SELECT Premier

Offering the most comprehensive level of cover, SELECT Premier includes unlimited buildings and contents cover, as well as unlimited alternative accommodation cover for both buildings and contents for up to three years and up to £15,000 in trace and access cover. Sets and suites, personal possessions, accidental damage for both buildings and contents and family legal protection cover is also included, as is up to £1,500 in home emergency costs.  

Are there optional extras?

Packages can be tailored according to your needs, and if you’re taking out a basic Direct Line Home Insurance package, you can add cover for personal possessions, accidental damage for both buildings and contents, home emergency and family legal protection as optional extras. These are all included as standard in the more comprehensive policy options. You may be able to add more specialist cover into your package, and for those who rent their home, you can opt for contents cover only.

How much does a Direct Line home insurance policy cost?

This will always depend on the type of policy you go for and the value of your home and its contents, together with your personal circumstances and claims history, as well as a range of other factors relating to your property. How you arrange your policy can also have an impact – Direct Line is currently offering a 35% discount if you opt for a combined contents and buildings insurance policy and buy online. 

What else do I need to know?

Direct Line will aim to send replacements for everyday tech items (such as phones and laptops) within two hours of a claim being approved, and if you’ve got an uncontrollable leak and have the Home Insurance Plus package, an emergency plumber will be sent within three hours. Policy changes can be made free of charge, too. 

Just be aware of the typical exclusions, with Direct Line home insurance policies not able to cover general wear and tear, theft or damage caused by a tenant or paying guest, the cost of repairing or replacing an item following an electrical or mechanical fault, or any theft or damage if the house has been unoccupied for 60 days or more. 

Find out more by heading straight to Direct Line and get a policy that’s tailored to your needs. 

 

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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