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HOME INSURANCE
FIVE MONTHLY CHANCES TO WIN BACK YOUR PREMIUM
Get a Home insurance quote by 21 May 2023 and buy a policy online, and you'll be
entered into our monthly prize draw.
Terms and Conditions apply
Get a quote Retrieve a quote
Here's what our customers have to say about Direct Line Home insurance
EXPLORE HOME INSURANCE
Use the links below to go straight to the information you want.
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Our cover levels and insurance products
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The right home insurance cover for you
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Why choose Direct Line home insurance?
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Home insurance tips, FAQs and policy documents
Existing customers - how can we help?
I receive my policy documents by post
If you need a copy of your documents, we can post them to you. All you need to
do is call us on 0345 246 8372 .
We're open:
* Mon - Fri 8am - 8pm
* Sat & bank holidays 9am - 5pm
* Sun 9am - 4pm
Calls may be monitored and recorded.
Call charges will vary.
I receive my policy documents online
If you've asked for online access to your documents, and have activated your
account, they're now ready for you to view.
All you'll need is:
* Your policy number
* Your post code
* Access to the mobile number listed on the policy
Sign in
I want to renew or make a change to my policy
Whether it's renewing your policy or making a change, you can find all the
information here.
Manage my policy
I want to make a claim
You can make a claim online or by giving us a call. Whichever you choose, find
out how to get started here.
Make a claim
Exclusive deals and discounts
Find out what deals and discounts we have available for our existing customers.
Deals and discounts
I receive my policy documents by post
If you need a copy of your documents, we can post them to you. All you need to
do is call us on 0345 246 8372 .
We're open:
* Mon - Fri 8am - 8pm
* Sat & bank holidays 9am - 5pm
* Sun 9am - 4pm
Calls may be monitored and recorded.
Call charges will vary.
I receive my policy documents online
If you've asked for online access to your documents, and have activated your
account, they're now ready for you to view.
All you'll need is:
* Your policy number
* Your post code
* Access to the mobile number listed on the policy
Sign in
I want to renew or make a change to my policy
Whether it's renewing your policy or making a change, you can find all the
information here.
Manage my policy
I want to make a claim
You can make a claim online or by giving us a call. Whichever you choose, find
out how to get started here.
Make a claim
Exclusive deals and discounts
Find out what deals and discounts we have available for our existing customers.
Deals and discounts
HOME INSURANCE COVER LEVELS
Our handy comparison table below will help you understand our cover levels.
Home Insurance Home Insurance Plus SELECT Premier Buildings insurance
Covers the main structure of your home if you need to rebuild or repair it after
a fire, flood or theft. Up to £1 million Unlimited Unlimited Contents insurance
Covering the value of all your possessions in the home. Up to £50,000 Up to
£100,000 Unlimited Trace and access
Replacing any parts of the building that were removed to help get to escaping
water. Up to £5,000 Up to £10,000 Up to £15,000 Alternative accommodation
For you and your pets, in case you can’t live at your home while it’s being
repaired after an insured event. Up to £40,000 Up to £80,000 Unlimited
Up to 3 years Sets and suites
Repairing or replacing an entire set, suite, group or collection of items.
Personal Possessions
Cover for portable items that you take out of your home, like laptops and
mobiles. Optional Accidental Damage
Covers situations when unexpected accidents happen, such as spillages on the
carpet, breakages around the house or drilling through hidden pipes. Optional
Home Emergency
Covers emergencies that occur in your home like broken boilers, faulty locks and
uncontrollable water leaks. Limited up to £500. Optional Up to £1,500 Family
Legal Protection
Provides a 24/7 helpline and up to £100,000 cover for claims including contract
disputes, personal injury and motoring prosecution. Protection provided only
when more than a 50% chance of recovery. Optional Expand the comparison table
Our Home Insurance cover explained / Our Home Insurance PLUS cover explained
Get a home quote Get a SELECT quote
THE RIGHT COVER FOR YOU
CONTENTS AND BUILDINGS COMBINED
If you own your property, combining both options can often work out cheaper.
CONTENTS INSURANCE ONLY
This is ideal if you rent your home. It covers items inside the house, garage,
shed and garden.
Find out more
CYCLING INSURANCE
Whether you’re a keen racer or casual rider, our specialised cycling insurance
can cover you, your kit and your bike.
Find out more
WHY DO YOU NEED HOME INSURANCE?
Having home insurance means you won’t be out of pocket if you need to repair
your home or replace your belongings after they’ve been stolen, damaged or
destroyed.
It comes in two parts: buildings insurance (cover against damage to the property
itself) and contents insurance (for damaged or stolen items within the home).
These can be combined or bought separately, so the first step is deciding which
option is better for you.
Get a quote
WHAT WE OFFER
* We'll act fast to replace your tech
We'll be ready to send replacements for everyday items like phones and
laptops within two hours of an approved claim - reconnecting you ASAP.
Theft claims and accidental loss up to £3000. Cover limits apply. Excludes
jewellery. 8am-8pm Mon-Fri, 9am-5pm Sat. Personal possession cover needed for
items outside the home.
* We fix your uncontrollable leaks
Worried about uncontrollable leaks in the home? With Home Insurance Plus, we
can send an emergency plumber within three hours.
Excludes Highlands and Islands. Extreme weather conditions may extend
response time. Terms and cover limits apply.
* We don't charge for changes
If you need to make a change to your policy we won't charge you an
administration fee.
* We give you more choice
When your claim is approved, you can have a brand new replacement where
available, or we'll give you the cash.
Items must be stolen or damaged beyond repair. Cash limited to the cost of
the replacement to Direct Line. Cover limits apply. Delivery available UK
mainland only. Excludes jewellery.
WHAT ISN'T INCLUDED?
We don't cover:
* Wear and tear, maintenance and routine decoration
* Theft, vandalism or accidental damage caused by a paying guest or tenant
* The cost of repairing or replacing items following a mechanical or electrical
fault
* Damage or theft if the house has been unoccupied for more than 60 days in a
row
OTHER TYPES OF COVER
LANDLORD INSURANCE
Whether it’s flexible options or specialist legal advice you need, our landlord
insurance has been designed with buy-to-let owners in mind.
Find out more
JEWELLERY INSURANCE
Insure jewellery and watches worth £3,000 or more with our standalone insurance.
Find out more
HOME INSURANCE TIPS, FAQS AND POLICY DOCUMENTS
ARE YOU A NEW CUSTOMER?
If you're deciding on whether to buy home insurance with us, you can use our
latest policy booklets as a guide.
* Home Insurance policy document
* Home Insurance plus policy document
ARE YOU AN EXISTING CUSTOMER?
If you requested online access to your documents when you bought your policy
with us, just click below to view them.
Sign in to see your documents
If you have not requested online access to your documents, and need copies of
the policy booklet or policy documents that are relevant to you, please call us
on 0345 246 8372 .
KEY FACTORS IMPACTING YOUR INSURANCE QUOTE
New policy
The greater the risk of loss and damage to your home and belongings, the higher
your insurance quote is likely to be.
Your premium is based on several factors relating to you, your home and the
value of your items.
* Where you live
It could be that you live in a city with a higher crime rate, a woodland area
affected by tree roots or a rural location exposed to severe weather
conditions.
* Size of your house
If you live in a large house, the cost to have it rebuilt is likely to
increase the buildings element of your quote.
* How close you are to water
Due to a higher risk of flooding, homes near rivers or coastlines are
generally more expensive to insure.
* Age and property structure
The age of your property and materials used to build your house can have a
huge impact on your quote. For example, wooded structures are particularly
vulnerable to fire, termites and rot.
* Your lifestyle
Factors like your age, whether you’re married with children, or if you’re
away from home for long periods of time can all have an impact on your quote.
* Materials on your roof
Common tile and slate roofs are easier to insure than those that are flat
(vulnerable to burglars and weather damage).
* Value of your contents
The more expensive your items are, the more it will cost you to get them
insured.
* Previous claims
Even if you’ve moved into a new house, your claims history is still taken
into consideration. And not telling us could invalidate your policy.
Renewal policy
There are many reasons why the cost of your home insurance premium may have
changed on renewal, with some having a bigger impact than others.
If you choose to automatically renew, you can cancel at any time. You'll still
get a renewal invite before the policy end date, but cover will stop if other
arrangements aren't made. If you do choose the convenience of automatic renewal,
your price will still be the same as one given to a new customer.
Your premium is based on several factors relating to you, your home and the
value of your items.
* Previous claims
Your claims history is taken into consideration when pricing your policy. If
you’ve made a claim in the previous year this could result in an increased
premium.
* Inflation
Inflation increases the price of goods and services, impacting Direct Line’s
claims and general expenses. Policy premiums will reflect such changes.
* Crime rate
A spate of crimes resulting in more home insurance claims could see premiums
increase to reflect the new risk level of your home’s location.
* Severe weather
Periods of extreme weather, such as prolonged cold or rain, can result in an
increase in customer claims. This can lead insurers to review the likely cost
of future claims.
* Changes to IPT
You don’t pay VAT on insurance, instead you’ll be charged Insurance Premium
Tax (IPT). This is included in your premium, so any changes to the rate will
affect what you pay.
WHAT YOU NEED TO GET A HOME INSURANCE QUOTE
* Property details
Knowing if your house is a listed property or not, what type of building it
is and the year it was built.
* Structure details
What your exterior walls are mostly made of (e.g. brick or stone) and how
much flat roof space you have (including porches, bays and garages). If
you’re unsure, we’ll give you options with an explanation of each.
* Room details
The total number of bedrooms and bathrooms.
* Personal details
Details of any previous claims you’ve made, and details about anyone else you
want to include on the policy.
WHEN YOU MIGHT NEED TO CALL US
There are some situations where you won’t be able to get an online quote because
we need a few more details. If that happens, just give us a call on 0345 246
3564 .
You may need to ring us if:
* Your home is a listed building
* You’re insuring a second home
* You’ve more than five bathrooms or six bedrooms
* You want to insure standard items over £100,000
* You want to insure individual valuable items over £2,000 with Home Insurance
or £4,000 with Home Insurance Plus
* You’ve previously made a claim for over £5,000
NEED MORE HELP?
You can make changes to your policy online, claim online or ask our virtual
assistant.
Contact Us Claims
--------------------------------------------------------------------------------
If you’d rather talk to us, just give us a call (includes Typetalk and sign
language services). We can help you choose the right kind of cover.
Call us
FREQUENTLY ASKED QUESTIONS
Q1 Will my price be different if I choose to renew automatically?
If you choose to renew automatically, your renewal won't be any higher than if
you choose to renew manually.
If you don't select automatic renewal, you'll still get a renewal invite before
your policy end date. However, cover will stop on the policy end date if you
haven't contacted us to renew it.
If you do choose the convenience of automatic renewal, then you will not need to
contact us next year to renew your policy.
Q2 Are my belongings covered outside the home or when I go on holiday?
Yes, if you take out our Personal Possessions cover. This is available as an
optional extra under the Direct Line Home Insurance policy and covers your
personal belongings (including up to £500 for Money) against theft, loss or
accidental damage anywhere in the British Isles and for up to 60 days abroad
each year. Any individual items worth more than £2,000 must be specified on the
Direct Line Home Insurance policy.
Personal Possessions cover is included as standard under the Direct Line Home
Insurance Plus policy (when you select contents cover) and covers your personal
belongings (including up to £1,000 for Money) against theft, loss or accidental
damage anywhere in the world. Any individual items worth more than £4,000 must
be specified on the policy.
Q3 Are my contents covered in storage?
We will provide cover for your contents whilst in storage, but only when using a
professional storage facility, for up to 72hrs. Your contents would also be
covered against accidental loss or damage whilst you are in the process of
moving.
Q4 In which cases do I need to tell you about the individual value of my
contents?
You need to let us know the value of individual items of jewellery, fine art,
watches, antiques and sporting guns in excess of £2,000 with Home Insurance or
£4,000 with Home Insurance Plus. These items will then be specified (listed) on
your policy.
Q5 I am moving home soon, should I get a new policy or can you change on my
current policy?
If you are changing address, please call us on 0345 246 3564 to discuss. If
you're selling your home the buildings section of our policy automatically
covers the buyer up to the date that the sale completes however if you require
cover for a new property which you are in the process of buying or a property
which you have already moved into then you will need to speak to our customer
services team to discuss this on 0345 246 3564 .
Q6 What's Trace and Access and am I covered by Direct Line?
Direct Line Home Insurance will pay up to £5,000 for Trace and Access cover.
This includes removing and replacing any part of the building in order to find
the source of water escaping from tanks, pipes, appliances or fixed heating
systems that are causing damage to the building.
Cover increases to £10,000 for Home Insurance Plus, and to £15,000 for Select
Premier customers.
What's not covered is repairing or replacing the tanks, pipes or heating systems
themselves.
Q7 Will alternative accommodation be provided if I can't live in my home?
Yes. Direct Line Buildings Insurance customers get up to £25,000 for comparable
accommodation including kennel fees for pets, and lost rent. This applies if all
or part of your home is not fit to be lived in when a valid claim has been made,
or your home is occupied by squatters.
Home Insurance Plus Buildings customers receive up to £50,000 in alternative
accommodation cover, while Select Premier cover is unlimited for up to three
years.
Direct Line Contents Insurance will pay up to £15,000 for the cost of
alternative accommodation, kennel fees and the storage of your contents. Cover
increases to £30,000 for Home Insurance Plus Contents customers.
Ask our Virtual Assistant
LATEST ARTICLES
All home insurance articles and guides
home
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.
Find out more
home
HOW TO MINIMISE FLOOD DAMAGE IN YOUR HOME
Do you live somewhere that's prone to flooding? It's time to get informed about
the risks and how you can prepare. Our guide will help you be ready, react and
recover should a flood hit your area - including how to limit the damage it
causes to your home.
home
WHO'S RESPONSIBLE FOR DRAIN REPAIRS?
Blocked or damaged drains can cause a lot of issues for your home - but you're
only responsible for your own drains, not those outside property boundaries. To
save yourself money, find out who's responsible for repairing them and how you
can report a blocked drain.
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© 1999-2023 U K Insurance Limited
Direct Line general insurance policies are underwritten by U K Insurance
Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ Registered
in England and Wales No.1179980. U K Insurance Limited is authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority
and the Prudential Regulation Authority. Registration number 202810. The
Financial Services Register can be accessed through www.fca.org.uk.
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