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 Direct
Line are a the biggest direct insurance company in the UK, they have competitive
rates for most drivers..
- There's no middleman. you get the cover you need – not what somebody
else thinks you need.
- No cover notes - you can be covered immediately.
- They keep things simple if you claim - you phone them. They sort it
out. Nothing more needs to be said.
- And if you choose our repairer after a bump Direct Line will take
the hassle away by picking up the car, getting the estimates ourselves,
guaranteeing the repair for 3 years and delivering your car back to
you cleaned inside and out.
- If you choose to purchase the Direct Line Guaranteed Hire Car cover
option, they will provide you with a hire car for up to 14 days after
yours becomes unusable due to a claim (excluding windscreen damage).
Unlike many companies' courtesy car services, this even applies when
your car has been stolen or written off
| Ok, so what's offered?
Direct Line offer two types of motor insurance: |
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1. Third Party Fire & Theft
Covers you for claims made by other people for bodily injury
or damage to their property and your car is also covered if stolen
or damaged by fire.
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2. Comprehensive
This gives you the previous type of cover and also covers
accidental damage to your car.
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| Direct Line also throw in: |
- Free Accident Action Pack
Full of really useful info on what to do if you have an accident.
- Accident Helpline
Manned 24 hours a day by experts so you can get help and advice fast.
- Windscreen Replacement Hotline
If your windscreen is smashed, call our free 24 hour hotline.
- FREE Windscreen Repair Service
If your windscreen's chipped, it can often be repaired. With
a Direct Line comprehensive motor policy, we'll do it for free.
Direct Line might have cut waste and premiums but that doesn't mean you
lose benefits.
You can also take advantage of these extras:
No Claims Discount (NCD)
If you don't claim, you build up your NCD. Which means:
- Every year you drive without making a claim, you build up a discount which is taken off your premium. It starts at 30% after one year and increases to 65% (70% if you're over 50) after year five.
- Once you've got 4 years NCD, you can protect it for a small extra premium - so you can have 1 claim in any year or up to 2 claims in any 3 year period and you won't lose your hard earned discount.
Excess
This is the bit of the claim you pay. It's used to keep premiums down - the higher the excess, the lower the premium and vice versa. But remember, you've got to be careful when comparing prices - there's no such thing as a free lunch - you can get cheaper premiums, but check out the excess because you may end up paying more towards any repairs if you claim.
Optional Guaranteed Hire Car
If you choose to purchase the Direct Line Guaranteed Hire Car cover option, we will provide you with a hire car for up to 14 days after yours becomes unusable due to a claim (excluding windscreen damage). Unlike many companies' courtesy car services, this even applies when your car has been stolen or written off.
Legal Protection
By taking this option we'll help you if you have an accident that's not your fault by working on your behalf to recover things not covered by your policy, e.g. excess, personal injury and loss of earnings.
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