Get an instant UK home insurance quote from Direct Line Direct Line UK Home Insurance

Direct Line offer a 20 % discount for taking out a policy online. There are four options to a Direct Line policy. You can have any of a combination of Buildings, Contents, Possessions and legal Protection.
they also offer a Home Response service for an emergency breakdown in your home

Direct Line Contents Insurance covers every non-permanent item in your home, from furniture and carpets to valuables, electrical goods and sentimental items – basically anything you would take with you if you were moving out. Our Buildings Insurance covers the structure of your home and any outbuildings, and is based on the cost of rebuilding your property.


Brief details of their policies below:

Direct Line Buildings Insurance

• Automatically provides buildings cover up to £1,000,000 for the cost of rebuilding your home and any outbuildings.
• Covers the structure of your home, roofs, walls, fences, gates and outbuildings, plus permanent fixtures like kitchens, bathrooms and fitted wardrobes.
• Covers fire, lightning, storm or flood (excluding fences and gates), theft, explosion, escape of water or oil, vandalism and subsidence.
• Also covers burst pipes, accidental damage to windows or sanitary ware and the cost of alternative accommodation if necessary (following an insured event).
• 24-hour Emergency Helpline

Direct Line Contents Insurance

• Provides cover on a new-for-old basis for household goods, including furniture, carpets, curtains, and your personal belongings in the home, garages and sheds.
• Covers cash in your home up to £500, plus items in the garden up to £1,000.
• Covers against fire, smoke damage, lightning, theft, flood and escape of water or oil.
• Also covers accidental damage to TVs, home computers, home entertainment systems, freezer contents (unlimited), replacement locks and keys following theft of keys (unlimited), and possessions temporarily removed from the home to another e.g. while children are at college.
• Includes an automatic £5,000 or 10% increase in cover for several weeks either side of  Christmas and family weddings.
• 24-hour Emergency Helpline

Optional Extras

• Extra Accidental Damage cover – DIY disasters, damage to furniture, ornaments, carpets etc.
• Personal Possessions – covers your personal effects and valuables, including cash and credit cards, outside the home – on holiday, for example.
• Family Legal Protection – A confidential 24-hour Helpline manned by legal experts, and up to £100,000 of legal costs to help pursue your rights for issues such as:
  -  Employment claims – Unfair dismissal, breach of contract, discrimination due to sex, race or disability. The cause of action must start at least 90 days after cover starts.
  -  Personal injury claims –  accidents at work, accidents in public places, accidents caused while cycling or in a car and clinical negligence.
  -  Contract claims – Purchase of a faulty car, purchase of faulty goods, purchase of negligently performed services, a poor holiday experience.
  -  Property Claims – Disputes with your neighbour, noisy neighbours, boundary disputes. The cause of action must start at least 90 days after cover starts.

All claims must be reported to the legal Helpline as soon as possible. Claims are handled by our staff or by one of our panel of solicitors until the issue of legal proceedings.

In addition, you can choose to add Accidental Damage option to your buildings or contents cover.

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When added to your buildings insurance, it covers accidental damage to your home (e.g drilling through a pipe or putting your foot through the ceiling while in the loft).

When added to your contents insurance, it covers accidental damage to your furniture, carpets and curtains, and accidental breakage of your ornaments

You can also take out the Personal Possessions option.

It covers your personal belongings (including money and credit cards) against loss, theft and accidental damage outside your home and anywhere in Britain or abroad (up to 60 days). So you’re covered when you travel.

A confidential 24hr helpline manned by legal experts who can advise you on any legal issue
Financial assistance up to £50,000 to pursue your rights, e.g. if you buy goods which turn out to be faulty, if you are dismissed by your employer without good reason, or if you slip and injure yourself on a wet supermarket floor

Extra! Extra!

And if you want a little more security we’ve got lots of optional extras that you can add on to your cover.

Our Family Legal Protection cover provides you with valuable legal support 24 hours of the day. Our qualified staff can give you confidential advice on any private legal matter and could save you money on expensive solicitors' fees. Family Legal Protection also covers up to £50,000 in costs per claim for employment claims, personal injury claims, contract claims and property claims.

Or perhaps you’re a bit accident-prone and feel you could do with a little more protection for those DIY disasters and all-too-frequent household accidents? With our extra Accidental Damage cover, accidental damage to items such as furniture, carpets and ornaments would also be covered.

Our third optional extra is Personal Possessions cover, which will cover items, including cash, mobile phones and credit cards, that you take outside the home with you, even if you’re away on holiday. So if you’re off enjoying yourself you can relax knowing your valuables are fully protected at all times.

For more information on the better deal we can offer you as a Direct Line Home Insurance customer, we’ve provided a Contents and Buildings summary table* for a quick and easy way to check what you’re covered for in the event of loss or damage from causes such as theft, fire, storm or flood.

Summary of Cover

• If stolen from the home, garage, shed or outbuilding, Pedal Cycle cover and Personal Possessions cover are available as extras.
• Valuables worth over £1,500 each need to be specified.