Direct Line Home Insurance Review

Direct Line Home Insurance

There is probably a reason why the company name Direct Line was thought up, but who would have thought it would one day mean just that – direct! We in the UK have become a nation of bargain hunters in recent years, and for good reason! This is probably why comparison websites have become so popular.

However, Direct Line home insurance won’t be found on these sites – why? Simple! Because the only thing you get if you use a site like this is a comparison on the price. If you’re looking for some insurance on your home, there are more than likely questions you’ll need answering there and then. This is why Direct Line pride themselves on the fact that it’s best to get everything you need straight from the “horse’s mouth”.

Everyone has different needs with all types of insurance, and it’s no different when you want to protect you bricks and mortar as well as everything that’s housed inside. For that reason, Direct Line offer no less than three policies so you get exactly what you need.

The first option I’m going to “cover” is…….

Standard Buildings and Content Insurance

If you have a home that could cost up to £1 million to re-build or repair (including any outbuildings), this home insurance policy could be just what you’re looking for. To make for easier reading, I’ve decided to give you an “at a glance” list of all the benefits you can expect to receive:

  • If you’re contents don’t exceed a value of £50,000 everything will be covered.
  • Surprisingly for insurance companies these days, Direct Line offers a “new for old” policy. This covers everything from personal belongings, garage contents, carpets, curtains and everything in between.
  • If you’re still the type to hide cash under your mattress or, indeed in places like the freezer (the less said about that the better)! You will be covered for up to £500.
  • Items in your garden up to the value of £1,000 also come under this home insurance policy, so Dave the gnome will always be protected, even if he does end up becoming Dave mark II!
  • As we all know fire and water is something that can devastate a home, and that hasn’t been missed by Direct Line. You’re even covered if damage occurs due to a lightning strike or you suffer a flood.
  • As would be expected, things like lost or stolen keys, freezer contents and even items like the kids laptops are covered (even if they’re not at the house). Although there are certain stipulations with the latter. Plus, you will only be covered for up to £5,000.
  • As an added extra, the amounts mentioned above increase by 10% for 4 weeks either side of a wedding or Christmas. Now you can’t say fairer than that!

Not Forgetting Buildings Insurance

As mentioned, your building is also covered under this Direct Line policy and this includes just about everything you can think of when it comes to those little (or large) mishaps that can happen. Just make sure you double check when speaking with an agent.

Direct Line Home Insurance Plus

Personally, I think this policy from Direct Line is particularly useful for those of you who have older homes, or even for people who just want that added sense of security with regards to emergency problems.

Of course, you get everything mentioned in the standard policy plus a home emergency visit which includes the call out charge, labour and parts. However, do bear in mind this only goes up to £500. But, what is worth noting is what you can use this service for!

  • If your plumbing or drainage gives up the ghost, Direct Line will send an expert to you.
  • All electrics and heating is covered.
  • Security such as external locks for both doors and windows.
  • Pest cover is also included but I am talking about rodents or bugs and not the children!

What I think is really useful with this level of home cover is the fact you get annual travel insurance as well. Just so you have a brief idea of what you can expect from this, you’ll be covered for £5,000 in case of cancellation, £5 million for overseas medical expenses and should there be an emergency you’ll get help 24 hours of the day.

Another great idea which, yes, you guessed it, is also included in the price is ID fraud assistance and protection. This means your internet connection is monitored around the clock (perfect for things like online banking). Plus, personal assistance is available to help you stop this type of crime happening in your home.

Now, last but definitely not least Direct Line has the home insurance policy detailed below. In my opinion, this is really worth having if you’re lucky enough to own a property that needs some heavy duty insurance!

Select Premier Direct Line Home Insurance

Bear in mind that both buildings and contents insurance are available with this policy, but it does START at £100,000. As Direct Line say, this is the perfect insurance for high value homes. So, what else do you get?

  • Of course new for old is available if you need items replacing, but the difference with this policy is covers you worldwide.
  • You get your very own dedicated account manager.
  • Instead of £500 for emergencies, you get £750 and there is no excess to pay.
  • If, at this stage you’re wondering about your jewellery or art collection – don’t! Anything of this sort worth over £10,000 is covered as part of the policy.

Other Benefits

Like many other home insurance companies, Direct Line offer discounts when you apply online, and in most cases this can be as much as 20%. There are also loads of optional extras to choose from. In fact, if you decide you would like a particular policy but it doesn’t quite meet your needs Direct Line will do their best to help – Just don’t expect Mr. Wolf to be on the other end of the line!




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