Direct Line Car Insurance Review

Direct Line is probably one of the largest companies that offer all types of car insurance in the UK. If you are in the market for car insurance and are one of those people that is addicted to price comparison websites, be sure to know that you will not find Direct Line on any of those sites. However, feel free to fill your boots and obtain quotes from these sorts of websites, Direct Line advertise the fact that they will beat any quote that you have found there! If you’re about to embark upon looking for car insurance you will no doubt be aware that this can be a potential pain in the proverbial. Car insurance can be very complicated and there are literally hundreds of different policies you can choose from. In this article, I intend to make clear what some of the car insurance policies Direct Line have to help you get started.

Some of the Extras Direct Line Car Insurance Offer

  • Compensation if you are hit by a driver that is uninsured and the accident is not your fault – Direct Line is one of the first car insurance companies to recognise that this is a growing problem within the UK. They offer, as part of your policy, a system whereby you are able to claim for being hit by an uninsured driver and you will not lose your no claims bonus. There are conditions however, these are: you should ensure that you get the registration number of the car that hit you and also the make and model, if possible the drivers details (don’t worry about this point), many uninsured drivers are happy to pass their details on after an accident as they think they will get away with it anyway.
  • Compensation for vandalism to your car – Again, this is an innovative extra that you can get from Direct Line, I actually don’t know of any other company that offers this service. If you are a victim of vandalism to your vehicle you can claim for the damage and, here is the best bit, this cover comes as standard and will not affect your no claims discount. Not only that, if you use one of Direct Line’s preferred repairers, they will make sure that your vehicle is cleaned from top to bottom, inside and out! Be aware however, that certain conditions do apply, you will need to make sure that you have reported the incident to the police and can prove it and that the damage was not caused by another car, this of course would be dealt with on a different part of your car insurance policy.

Direct Line have recognised that people want value for money as well as great car insurance policies so you will find that they offer a huge range of discounts on all types of car insurance policies. Here are some of them:

No Claims Discount for Company Cars

If you are a new customer to Direct Line and have recently given up a company car that you have not had to make a claim on, Direct Line will offer you a discount on up to 5 years of no claims discount, this is available on any type of car insurance policy that you take up with Direct Line. However, you will need to prove that you were the sole driver of the company car in question….not much to ask if you want my opinion, 5 years no claims discount can amount to an awful lot of money.

Discount on Multi-Car Policies

Many car insurance companies charge you extra for registering an additional car insurance policy with them, not Direct Line; they actually save you money if you take out a car insurance policy on more than one vehicle with them. You will receive a discount of 10% on the 1st year and 5% for each year that you renew thereafter. I doubt there is another company in the UK that can offer this. Conditions do apply but they don’t exactly ask for your shoe size! All you need to do is make sure that you can give the company the number of your current agreement, it’s that simple.

Other discounts available when it comes to multi-car insurance policies are breakdown cover; you can save up to an amazing 35% on breakdown cover with Direct Line when you have a multi-car policy. If you are new to the company you are not penalised for being a “newbie” you also can save up to 25% when including breakdown cover on your car insurance policy.

Pass Plus

This will interest all of you that have recently passed your driving test. Many people in their late teens or early to mid 20’s are considered to be a huge risk by most car insurance companies. The reason behind this is obvious, the statistics show that if you are in this bracket of driver that you are far more likely to have an accident than any other bracket of driver. We have to recognise that insurance companies need to make a profit in order to continually offer a service to their customers.

Direct Line have gone one better with this car insurance policy. Basically, if you have passed your test in less than one year you will be given a 5% discount on any car insurance policy you take out with them. Do bear in mind however, that you will be better off going for a fully comprehensive policy – this isn’t something that Direct Line advise it’s just that I was once in my late teens and driving was a new hobby to me…..believe me, I remember some of the scrapes I got into because I was just too over excited about being able to drive without an instructor constantly nagging at me!

Other Great Discounts to be had from Direct Line

Direct Line is very clever when it comes to ensuring that they gain as much business from each customer as possible. If you know Direct Line, you will be aware that they are not limited to offering insurance just for cars. If you happen to have an insurance policy with them which covers something other than your vehicle you can gain discounts on any new car insurance policies you take out with them. All you need to do is ensure that you can produce the policy you currently have with them and they will give you up to 10% on any new car insurance policy you take out.

Just so you know What Comprehensive Cover is from Direct Line

Listed below is what you will get with a comprehensive car insurance policy with Direct Line:

  • Protection from uninsured drivers if the accident is their fault.
  • Claims discounts for named drivers.
  • Protection if you should be the victim of vandalism that will not affect your no claims discount.

These are just a few of the extras that you get with a fully comprehensive car insurance policy with Direct Line.

A Quick Explanation on How Multi-Car Insurance Policies Work

Some of you may be unaware of how multi-car insurance policies work. The type of policy is fairly new to the market place and Direct Line have been pioneers in bringing this type of policy to it’s new and existing customers.

You may think that to have a multi-car insurance policy you will have to be related to the other people that are included. This is not the case; all you need to ensure is that you all live at the same address. I happen to think that this is a fantastic idea. For all of you students out there that are living on a shoe string but still need to make sure that your vehicle (if you’re lucky enough to have one) is properly insured can club together and make huge savings with the multi-car insurance policies that Direct Line offer.

In Conclusion

I happen to be a customer of Direct Line and I have to say that when it comes to customer service, they are second to none. The staff are knowledgeable about the car insurance policies they have on offer and you do not get the hard sell. After all, there isn’t any need for them to go chasing customers, thousands of people sign up with them every day.

If you are looking for a great car insurance company that have a huge range of policies that have been tailored to suit everyone, you will not go far wrong with Direct Line. It’s not all about discounts, although that does help, you need make sure that the insurance company is 100% behind you if you run into trouble. Direct Line will not hamper you with red tape and excuses on why they should not pay out. If your claim is genuine and fits all of the criteria within your policy, they will pay…simple!

Direct Line has been in business for a long while now and they are definitely here to stay.

Home Insurance Review

Home insurance is possibly one of the most important insurance policies you will take out. As they say “a man’s home is his castle”. If you are not insured when it comes to your home, this can potentially be a complete disaster for you and in some extreme cases can even bankrupt you! You don’t need to end up in a situation like this, just make sure that you get a decent home insurance policy that will protect you, your family, your belongings and your house from anything that might go wrong.

How to Start Looking for a Home Insurance Policy

One way in which you can start looking for a home insurance policy is when you either take out a mortgage or buy a property outright; take the advice of the mortgage lender or the estate agent you have made your purchase with. These companies often have systems in place that mean that they receive a commission for inviting you to take a home insurance policy with certain companies. Of course, with mortgage lenders, it is in their interest to make sure that you have the correct home insurance policy in place, remember, they have a vested interest in your home too.

The other way you can set about looking for a home insurance policy is to turn to the internet, there are many price comparison websites you can use to get the best price possible for your home insurance policy, you will also find that on some of these websites you can enter any special requirements you might have when it comes to insuring your home. Do however, make sure that you don’t stop there with your research, there are a lot of companies that do not use price comparison websites and you might be able to better the price you have already found.

Some of the Best Companies that Offer Home Insurance

Direct Line – This Company will not be found on price comparison websites and they are proud of that fact. They have a wide range of home insurance policies that will suit just about everyone. As standard, Direct Line offers the following with their home insurance policies:

  • Contents cover up to £50,000.
  • Personal possessions insurance up to £50,000.

Direct line offer 2 types of home insurance plans, home insurance and home insurance plus. Between them Direct Line offers the following:

  • Buildings cover.
  • Alternative accommodation.
  • Accidental Damage.
  • Family Legal Protection.
  • Home Emergency cover.
  • Cycle Cover.
  • Online and identity fraud (this is really useful to have these days, we all use the internet for shopping or online banking to a certain degree and theft of your identity is big business).

All in all, the home insurance you will get with this company will cover just about anything you need.

More Than – This company has some really comprehensive home insurance policies available and at great rates. They promise to beat any quote that you may have when it is time for you to renew your home insurance policy, however, do not compromise on service. One of the first things you are faced with when looking at their website is the fact that they will offer you a saving of around £130 on your contents insurance. There are many benefits that come with More Than and their home insurance policies, here are some of them:

  • They pay for replacement keys and locks on your home if they are lost or stolen.
  • Garden cover (I think this a great idea), this is available as standard and will cover your plants and trees to the value of £2,000. You will also benefit from cover on your garden furniture, kids toys and your barbeque.
  • Have you ever tried calling up an insurance company either to make a claim or find our more about the service they offer? If the answer is yes then, like me, you are more than likely fed up with not getting the same person twice. More Than will allocate a dedicated manager to your account, another great idea. At last, a company that recognises the fact us, the public and their customers need some continuity when dealing with them.

You should also know that his company has been awarded the best online contents and home insurance award for the last 2 years on the trot. Another plus when you are looking for a home insurance company you can trust.

You may not know but many banks have now started to offer home insurance in the UK, so whoever you bank with, it might be worth asking the question.

Above are just a couple of examples that I thought you should know about when it comes to home insurance, in my opinion the 2 that I have mentioned are the best on the market at the moment.

What Do I Do if I have a Specialist Item in my Home that needs to be insured?

That’s an easy one, tonnes of home insurance companies recognise that you may have belongings that are very dear to you but are not the run of the mill objects. Maybe you have a Grand Piano that has been passed down through the generations or you might have a grandfather clock that dates back to the 1700’s. All you have to do is make sure that the home insurance policy that you take out will cover these items. In some cases (depending on the value of the item in question) you may be asked to take out a separate policy for this item on it’s own as it will be treated differently to anything else you have covered on your standard home insurance policy.

What do I do if I live in a Flood Alert Area?

This is a question that sits on many peoples lips these days. In recent years the UK has suffered some of the worst flooding in decades. Initially, home insurance companies reacted with panic as they suddenly had hundreds more people claiming for water damage in their homes. Things, thankfully, have now settled down a little bit and the powers that be within home insurance companies have had time to re-evaluate how they treat this sort of problem. In the beginning it was very difficult to get home insurance (if you could even get insured at all) however, there are now policies available that will protect your home and it’s belongings from water damage. Make sure that whoever you decide to take your home insurance policy out with does in fact cover water damage or flooding.

A Couple of Pitfalls to Look Out For

One potential pitfall you can come across when taking out a new home insurance policy are clauses that are included in the contract that may not be clear to you. For instance, there have been many times when people have put in a claim because that 100 year old oak tree came crashing through the roof of their house due to an unexpected storm. When making the claim, they are told that “sorry, we cannot pay out as this was an act of God”. Not very fair is it, how are you supposed to know what is considered to be a “hand of God” and what isn’t. After all, that’s what Maradona refers to his hand as and I bet he hasn’t had any trouble getting insurance!

Make sure that you check with your chosen home insurance company what they consider to be this type of incident and what they will not cover. It’s just as important to know what the insurance company will NOT pay for as it is to know what they will pay for.

In Conclusion

Finding home insurance does not have to be a major headache, as mentioned there a loads of home insurance companies to choose from but as I have already said, price comparison websites can help take some of the hassle out of finding the right company. Also, try talking to your friends or even ask at work which company the business you work for has their insurance with. The chances are that whoever they use will offer home insurance as well.

Above all, make sure you have ALL of the cover you need when it comes to home insurance, it’s relatively cheap to obtain a decent policy these days. Home insurance is a very competitive market place and that can only be good for us consumers. In my opinion, take more cover than you are ever likely to need, that way you are covered for just about any eventuality.

If you have read this far and still think that home insurance is bottom of the list when ensuring that you are protected from any accidents that may occur in the home, think again. Even something as small as a leaking pipe can cause and inordinate amount of damage in the home and the last thing you need is to have to pay for your own repairs.

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