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Good3.4(16 ratings)

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Reviewed by: katepro91

I have four buildings covered on a landlord property policy. I tried to add a fifth and whilst answering the q...

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Does Direct Line provide your landlord insurance policy?

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Compare Direct Line Landlord Insurance

This comparison includes all landlord insurance policies for this company.

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Direct Line Landlord Insurance
Maximum cover
Buildings: £2,000,000, Contents: £250,000
Cover options
Landlord liability up to £2,000,000 & optional accidental damage
Minimum excess
Buildings: £100, Contents: £100
We'll Beat Any Quote By £10 For The Same Cover. New Customers Only.
Excludes optional covers.

Direct Line landlord insurance reviews

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Does Direct Line provide your landlord insurance policy?

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04/10/13

Policy does not cover empty properties

I have four buildings covered on a landlord property policy. I tried to add a fifth and whilst answering the questions I was asked if the new property had a tenant. I said no as I had only just purchased it and wished to carry out remedial works. A fairly standard requirement for a landlord. I was told that unless the building had a tenant in it,I could not call myself a landlord and thus any insurance would be void. So I conclude from this that the last few years of covering my four other properties, they have all be uninsured whilst between tenants.

Other insurers cover up to 60 days empty as standard. Needless to say I will not be renewing anything with direct line. Not actually fit for purpose if they do not accept that tenants move and landlords need to redecorate on a regular basis.

Will not cover property whilst empty

1
Poor
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

21/07/13

Recommended

Direct Line Landlord Insurance

Good value for money Has enough flexibility in the package so that it can be customised. You don't pay for what you do not want.

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

17/09/13

Don't seem to do malicious damage insurance

2 problems with DirectLine. First, their policy doesnt cover some of the big problems a landlord might face. Second, it's hard to get hold of them to discuss anything except what they already do. For instance if you are unlucky enough to get a dodgy tenant they might trash the place. Direct Line doesn't seem to insure against this. Some other specialists eg Homelet, do - but their premiums are much higher.

I tried to discuss adding malicious damage by tenant and legal expenses with Direct Line but got nowhere. After 5 phone calls, most of them spent sitting on hold for ages, I gave up.

My conclusion is that a low premium is fine, but not if you are left high and dry in real life. I wouldn't want to make a claim with this company when you are left on hold for hours. There are no email addresses, and they don't employ enough staff to answer their phones promptly. You can't give them any feedback, they're not apparently on Twitter or Facebooki. I'd like to see reviews of how they handle claims, this is just as if not more important than a headline low premium.

low headline price for insurance

can't get info or help, left on hold

1
Poor
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

18/06/13

Recommended

Direct Line Landlord Insurance

no issues at present

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

Does Direct Line provide your landlord insurance policy?

Tell us what you think of them because it will help others.