Get more when you go direct
- No Fees for policy changes
That's right, you won't have to pay any admin fees for making changes while your policy is active. - More features as standard
You’ll be covered for damaged windscreens, using the wrong fuel, and you’ll keep your no claim discount if your car’s vandalised on all direct comprehensive cover levels. - More cover levels to choose
Get a quote from us direct and you’ll find a wider range of cover levels to suit your needs. - More ways to get in touch
Not only can you manage your cover online or on our app at any time, you’ll also get access to our friendly call centres.
Get a quote
Are you an existing customer?
Car cover levels only available from us direct
Going direct is the only way to get windscreen cover, misfuelling, and our vandalism promise included as standard on all cover levels. See what else is included with our three comprehensive cover levels below.
We also offer
Third Party, Fire and Theft.
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Essentials Our entry-level cover has everything you need to get on the road. |
Comprehensive Covers more than the essentials, such as claims made against you and if your car is stolen. |
Comprehensive Plus Our top level cover goes the extra mile with higher cover limits and extras included. |
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You'll get a replacement car at no extra cost for the duration of your car’s repair if it’s being fixed by one of our approved repairers. For Courtesy Car, it will be a small hatchback with an engine size of 1000cc, Guaranteed Hire Car will also be a hatchback but isn't limited to a 1000cc engine, and Guaranteed Hire Car Plus will be a similar-sized car to your own. You'll still get a hire car for up to 21 days in a row if you're using your own garage or if your car has been written off or stolen. |
Courtesy car |
Guaranteed Hire Car |
Guaranteed Hire Car Plus |
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We’ll pay for one of our approved repairers to replace or repair a broken windscreen, sunroof or window. Subject to an excess. |
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If you’re in an accident with an uninsured driver that isn’t your fault, we’ll protect your claim-free years and also cover your excess. |
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If you make a claim for damage caused by malicious or deliberate vandalism, you won't lose your No Claim Discount. |
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We’ll cover you for any damage caused to your car by using the wrong fuel. |
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If your car’s less than a year old (Comp) or two years old (Comp Plus) and you’re its first and only registered owner, we’ll replace it with the same make and model if it’s written off or can’t be recovered after being stolen. |
If car is less than a year old |
If car is less than two years old |
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You can drive other cars as long as you have permission from the vehicle owner. There are restrictions to this benefit, such as age (must be over 25 at policy start / renewal date) and occupation. |
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With our Fair claim commitment, your No claim discount is safe if the damage is caused by; potholes or poor road maintenance, theft from or of your car, being hit while parked, flood damage, if you hit or are hit by an animal, or hit by an object or debris (excluding vehicles). |
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If you’re involved in a car crash and you’re unable to drive your car, we’ll arrange a taxi to take you, your passengers, pets and belongings to one destination in the UK. |
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We’ll help if either you or your partner are injured or killed in a car accident. |
Up to £5,000 | Up to £5,000 | Up to £10,000 | |||||
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We’ll pay if your clothes or belongings are damaged due to a fire, theft, or accident. |
Up to £250 | Up to £500 | ||||||
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If you can’t drive after an accident and you need to stay in a hotel, we’ll help cover those costs. |
Up to £250 | Up to £300 | ||||||
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If your keys are lost or damaged, we’ll cover the cost to replace them. |
Up to £1000 | Up to £1000 | ||||||
What our customers are saying
What else do Direct Line offer?
Van insurance
We’ve got a special van insurance quote journey to help you get the best cover for your vehicle.
DrivePlus Insurance
No matter what your age, safe drivers could save money at renewal with our DrivePlus telematics technology.
Multi-car Insurance discount
If you’ve got more than one car to insure at the same address, you could save money on each additional policy. Minimum premiums apply.
Get a small hatchback courtesy car
When using one of our approved repairers, you'll get a small hatchback until your car is ready. If you use your garage, you'll still get a hire car for up to 21 days consecutively.
Frequently asked questions
There are a few things you’ll need to get a car insurance quote, including:
Your car details Your car's registration number (or its make, model and year), as well as its value, purchase date and annual mileage.
Personal details Your address, driving license info, previous claims and other named drivers on your policy.
Policy start date An inaccurate or change in start date may affect your premium.
Your No Claim Discount
Details of any claim-free driving could reduce your premium. We may require proof.
The price of your Direct Line car insurance quote depends on how likely you are to make a claim and how expensive that claim could be. It's based on several different factors, including:
Driver age and experience On average, experienced drivers are less likely to have an accident than newer drivers. However, the risk of being involved in an accident tends to increase after the age of 70.
Your job What you do for work can impact the time you travel, and the amount of driving you do.
Where you live Some areas are riskier than others, and accidents are more likely if you live in an area with relatively high traffic levels.
Regulatory changes These are changes the Government makes, such as larger payouts or removing legal costs for specific claims.
Crime rate A spate of crimes resulting in more car insurance claims could result in higher premiums to reflect the risk level of your car’s location.
Traffic levels The level of traffic on UK roads will change over time, influenced by things like the cost of petrol. When overall levels of traffic change, the number of claims can change too.
Type of vehicle you drive Your car's value, engine size and desirability could increase the risk of it being stolen or the cost of it being repaired.
How far you drive The more miles you drive, it's more likely you'll be involved in an accident.
Previous claims or convictions You must tell us about these events, or it could invalidate your policy if you need to make a future claim.
Industry trends
This could include higher prices for parts and labour, patterns in car theft and the types of claims being made.
Yes, NCD can also be swapped between the policyholder and their spouse/partner, provided that the spouse/partner has held their licence long enough to accrue that level of NCD and lives at the same address as the policyholder.
Your 'partner' is defined as an individual you are in a relationship with and living with, but are not married to or have not had a Civil Partnership Ceremony.
Driving other cars is a standard inclusion under our private car policies and allows the policy holder to drive cars that are not owned by them or hired to them, providing they have permission of the vehicle owner to use the vehicle. However, there are restrictions to this benefit such as age (must be over 25 at policy inception / renewal date) and occupation.
To find out if you have Driving Other Cars cover, check your certificate of insurance.
The cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property. The cover is limited to third party only and should be viewed as emergency cover.
Yes, policyholders can add temporary additional vehicles to their policy for up to a maximum of 90 days in a period of cover. Please call us on
0345 246 8706
for more information.
You no longer need a Green Gard if you drive your car abroad. However, you do need to take your insurance certification with you to prove you have vehicle insurance
Driving tips and guides
Can I get cheaper car insurance?
Here are three of our top tips that could help save you money on your premium.
Size matters
We’re not suggesting you downsize your car if it’s not practical, but the size of your car and its engine are things we consider when we calculate your quote.
A smaller car with a smaller engine could bring your premium down.
Prove you’re safe
When getting a car insurance quote with us, entering your No Claim Discount or taking out a telematics policy can help bring your costs down.
Having more drivers on an insurance policy may push the cost up depending on their driving history, age, points, convictions and claims history. Think carefully before you add someone to your policy.
Mind the modification
Modified cars might look great and may improve your car’s performance, but they’re usually more expensive to insure. Modified parts can be hard or expensive to replace, and cars with mods are more likely to be stolen.
Some modifications won’t be covered in a Direct Line insurance policy. Find out more about car modifications.
Fair prices at Direct Line
From January 2022, all insurers must make sure existing customers are offered the same price at renewal as they would get when buying a new policy. In the insurance industry, this rule change is known as Pricing Practices Regulation, or PPR.
A guide to buying your first car
Buying your first car is a major moment. Whether you’ve saved up for it, taken out a loan to finance it or the bank of mum and dad are stepping in, it’s something you’ll never forget.
Child car seats and the law
A child car seat provides essential safety for a child in the event of an accident. This guide will give an overview of child car seats and the law, designed to help you make an informed purchase.