Direct Line Car Insurance
Full product details for the Direct Line Car Insurance, including car insurance details, application criteria, discounts, excess, payments & fees, claims, courtesy car, cover, cover abroad, equipment cover, medical cover and windscreen cover. Apply online now.
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car insurance every week 95% of our car insurance claims are agreed over the phone
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Direct Line Car InsuranceDirect Line car insurance reward you for safe driving by making your car insurance cheaper.
They were the UK’s first major insurer to offer named driver no claims discounts and also reward you for claim free driving on your motorbike or company car. What’s more, if you insure more than one car with Direct Line you’ll be eligible for their multi-car discount too. For added reassurance when you’re on the road Direct Line will protect you financially against accidents with uninsured drivers by guaranteeing your no claims discount and covering the excess themselves in the event of a claim. Direct Line offer a smooth claims process with 95% of customer claims agreed over the phone and your car cleaned fully inside and out while it’s away being repaired. | |||
| |  Compare Direct Line car insurance details against other car insurance or use our car insurance comparison tables.Did you know Direct Line also provide savings, home insurance, pet insurance, travel insurance, van insurance and breakdown cover? | ||
| Company: | Direct Line www.directline.com | Direct Line www.directline.com | |
| Product: | Private Car Policy | Private Car Policy | |
| details | details | ||
| Quote via this site: |  | | |
| | ||
| Car Insurance Details | |||
 Online Discount: | 0% | 0% | |
| 2nd Car Discount: |  | 10 | |
| Max NCD: | 70 | 70 | |
| Intro NCD: | | | |
| Courtesy Car: |  | optional | |
| Windscreen Cover: | | standard | |
| Adjustment Fee: | £17.85 | £17.85 | |
| Application Criteria | |||
| Max Age: | n/a | 80 | |
| Cancellation Period: | 7 days | 7 days | |
| Discounts | |||
| NCD Protection: | | | |
| Guaranteed NCD: | | | |
| NCD Prot Claims: | 1 in 1 or 2 in 3 years | 1 in 1 or 2 in 3 years | |
| NCD Scale: | 33% 40% 50% 60% 65%/70% | 33% 40% 50% 60% 65%/70% | |
| Named Driver NCD: | | | |
| Multi Car Discount: | 10% | 10 | |
| Alarm Discount: | 0% | 0% | |
| Immobiliser Discount: | 0% | 0% | |
| Max Security Discount: | 0% | 0% | |
| Company Car Discount: | | | |
| Multi Product Discount: | | | |
| Excess | |||
| Fire & Theft XS: | £150 | £150 | |
| Driver 21-24 Excess: | £0 | £250 | |
| Driver <21 Excess: | 0 | 400 | |
| Inexp Driver XS: | £0 | £200 | |
| AD Excess: | n/a | £0 | |
| Windscreen XS - Repair: | n/a | £10 | |
| Windscreen XS - Replace: | n/a | £75 | |
| Windscreen XS - Non-App: | n/a | £75 | |
| Payments & Fees | |||
| DDM Payments: | 10 | 10 | |
| DDM APR: | 23.3% | 23.3% | |
| DDM Fee: | 9.00 | 9.00 | |
| Setup Fee: | £0 | £0 | |
| Duplicate Documents Fee: | £0 | £0 | |
| Cancellation Fee: | £26.25 | £26.25 | |
| Renewal Fee: | £0 | £0 | |
| Payment Default Fee: | 0 | 0 | |
| Year 1 Cancellation: | pro-rata plus £11 or greater canc. fee | pro-rata plus £15 or greater canc. fee | |
| Year 2 Cancellation: | pro-rata plus £11 or greater canc. fee | pro-rata plus £15 or greater canc. fee | |
| Claims | |||
| Basis of Settlement: | click here | click here | |
| General Conditions: | click here | click here | |
| General Exclusions: | click here | click here | |
| Endorsements: | click here | click here | |
| Courtesy Car | |||
| Courtesy Car Premium: | n/a | 15.75 | |
| Courtesy Car Provider: | n/a | hire car company | |
| Class of Courtesy Car: | n/a | small hatchback | |
| Courtesy Car Period: | none | 14 | |
| Courtesy Car Guarantee: | n/a | guaranteed | |
| Total loss courtesy car: | | optional | |
| Total loss car period: | 0 | 14 | |
| Enhanced Courtesy Car: | n/a | | |
| Gteed Courtesy Car: | | n/a | |
| Cover | |||
| Underwriter: | Direct Line Insurance | Direct Line Insurance | |
| Valet Parking: | | | |
| Cooling Off Period: | 14/pro-rata plus canc. fee | 14/admin fee | |
| Accidental Damage: | n/a | | |
| Max Value: | market value | market value | |
| New Car Damage: | 60 | 60 | |
| New Car Replacement: | | | |
| New Car Period: | 12 months | 12 months | |
| Foreign New Cars: | | | |
| Legal Costs: | as agreed | as agreed | |
| Rescue Cover: | | service | |
| Rescue cover basis: | repairer | repairer | |
| Fire & Theft: | | | |
| Car Sharing: | | | |
| Motor Trade: | | | |
| Loss of Road Tax: | | | |
| Suspension of Cover: | | | |
| No Blame No Claim: | | | |
| Uninsured Driver Benefit: | n/a | | |
| Accident - Transport: | n/a | | |
| Repairs Guarantee: | all | all | |
| Repairs Guar - Period: | 5 years | 5 years | |
| Onward - Transport: | | n/a | |
| Breakdown Cover: | optional | n/a | |
| Hotel Expenses: | £0 | £150 | |
| Max Hotel Exp: | £0 | £250 | |
| Road Rage: | 0 | 0 | |
| Car Jacking: | n/a | 0 | |
| Cover Abroad | |||
| Foreign Use: | standard | standard | |
| Max Free Foreign Days: | 3 days | 3 days | |
| Max Foreign Trip: | 90 days | 90 days | |
| Green Card: | | | |
| Customs Duty: | | | |
| Equipment Cover | |||
| Personal Belongings: | 0 | 100 | |
| Audio Limit - Man: | Unlimited | Unlimited | |
| Audio Limit - Non-Man: | £1,000 | £1,000 | |
| Sat. Nav. Limit - Man: | Unlimited | Unlimited | |
| Sat. Nav. Limit - Non Man: | £1,000 | £1,000 | |
| Fixed Car Phones: | | | |
| Child Car Seat: | | | |
| Car Seat Claims Basis: | n/a | full replacement | |
| Theft of Keys: | 0 | 0 | |
| Loss of Keys: | £0 | £0 | |
| Keys in Car Exclusion: | | | |
| Attached Trailers: | £0 | £0 | |
| Medical Cover | |||
| Medical Expenses: | £0 | £100 | |
| PA - Max Age: | n/a | Unlimited | |
| PA - Disability: | £0 | £5,000 | |
| PA - Sight: | £0 | £5,000 | |
| PA - Death: | £0 | £5,000 | |
| Third Party Injury: | Unlimited | Unlimited | |
| Third Party Property: | £20,000,000 | £20,000,000 | |
| Physio. Treatment: | n/a | | |
| Windscreen Cover | |||
| Windscreen Limit: | £0 | Unlimited | |
| Windscreen Limit Non-App: | n/a | £125 | |
| Windscreen - Windows: | | | |
| Windscreen - Sunroofs: | | | |
| Windscreen Etching: | | | |
| Windscreen Helpline: | | | |
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