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Home insurance - Tips & Advice - Finding cheaper home insurance
Over 50 but feel as if you’re being overlooked? Whether you’re still working or enjoying the fruits of your labour, the good news is that no one can force you into a ‘grey area’, and if you see what Direct Line Home Insurance can offer you, you’ll see the future is packed with great offers and incentives designed especially for you...
Why home insurance?
Did you know that the over-50s create a quarter of the UK’s wealth, with an annual contribution of £201 billion? Once you’re over 50 years old, you’ve probably paid off your mortgage, the kids have left home and you have more money to spend on yourself and items you may not have been able to afford before. Making sure you have adequate, affordable and long-term cover for your hard-earned home and valuables should be more important to you than ever before.
What can Direct Line offer me?
If you’re over 50 years old you can benefit from the usual great rates on all Direct Line Home Insurance policies and an additional discount if you buy online.
Plus, because we value your business, if you’re already a Direct Line Motor Insurance customer you also get an additional 10% off our Home Insurance.
Buildings Insurance covers the structure of your home and permanent fixtures such as kitchen units and bathroom fittings. This includes access to our 24 Hour Emergency Helpline, which can help you find a reputable tradesman straight away if damage does occur - or even if you've lost your keys and can't get into your home. If damage occurs that is covered by your Direct Line Home Insurance, then our Home Repair Network will provide you with a tradesman and pay for their services directly if the claim is between the threshold values stated on your policy documents.
Contents Insurance provides new-for-old cover on household goods as well as contents in outbuildings such as sheds and garages. Contents includes carpets, curtains, personal belongings in your home, cash in your home and even items in your garden. Our Contents Insurance also covers TVs, videos, audio and computer equipment, freezer contents and includes a 24-hour Emergency Helpline. An automatic increase in cover is made over Christmas between 1 December and 15 January, as well as an increase, four weeks before and after a family wedding - occasions you definitely want to relax and enjoy! (Limits vary by type of policy, please refer to policy wordings and summaries for limits).
What if I have a second home?
If you have a second home in the UK, Direct Line can provide Home Insurance even if your first home is insured with someone else.
If you have a second home abroad – and research shows that more and more people over 50 do – you are probably also aware that the majority of home insurer's won’t cover you if you leave the country for more than 60 days. Direct Line Home Insurance is now prepared to extend this to 90 days (subject to terms and conditions), on request, for those who need it. So if you are lucky enough to be planning a three-month holiday during the year, you can relax knowing everything is covered while you’re away.
Plus, if you take out our additional Personal Possessions cover then your personal possessions, cash and credit cards are also covered when you’re anywhere in the British Isles while away from your home, or for while you're overseas for up to 60 days up to the value of £7,500. With Direct Line we want to make sure none of our customers have to compromise on their good times, their premiums or their peace of mind. If you choose to take out Direct Line Home Insurance Plus, this policy comes with up to £5,000 of Personal Possessions cover as standard.
Find out more about Direct Line Home Insurance for all ages.
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