Direct Line Insurance

By: EconomyWatch   Date: 10 September 2009

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Direct Line insurance is offered by the Royal Bank of Scotland Group. Established in 1985, Direct Line started out by selling car insurance. It has since become UK’s largest motor vehicle insurance provider and offers a wide range of insurance products. 

Direct Line Insurance: Types

Personal Direct Line insurance products include:

Home Insurance

Direct Line building insurance provides cover for up to £1,000,000 for rebuilding the home and outbuildings. Home insurance encompasses the expense of alternative accommodation.  

The optional extras of home insurance include legal protection for making external claims, such as:

  • Employment claims: Due to discrimination, breach of contract and other unfair dismissal claims.

  • Property claims: In case of dispute with neighbors.

  • Personal injury claims: Due to accidents in the workplace or any public place.

Car Insurance

The car insurance cover can be a:

  • Comprehensive cover: Providing cover for loss of or damage to the vehicle as well as compensation for disputing claims by third parties against bodily injury or property damage.

  • Third party only policy: Provides cover only for disputing external claims.

Pet Insurance

Standard benefits include a cover for the vet's fees up to £4,000 for a maximum treatment period of 12 months. Pet insurance can be customized with the following additional covers:

  • Legal liability of up to £2 million, if the pet (dog only) injures a person or damages property.

  • Overseas travel cover for the pet (dogs and cats), including emergency expenses.

  • Reimbursement for loss of pet up to £1,500 and advertising/reward expenses for finding the lost pet.

Life Insurance

The minimum and maximum age qualification for a Direct Line life insurance is 18 and 65 years, respectively. The policy pays out in the event of the policyholder’s death or for treating a terminal illness. The maximum assurance amount of the policy is £2 million.

Direct Line Insurance for Business

Dire Line also offers the following insurance options for businesses:

  • Public liability insurance: It provides cover (up to £2 million) against case filed by the general public, who have been injured or have suffered damage to their property due to the callousness of the business.

  • Employers' liability insurance: It provides cover (up to £10 million) against claims made by employees who have been injured or have taken ill during their course of employment.

  • Product liability insurance: Minimum cover of £2 million in case of claims by the public against faulty goods.

Other Direct Line insurance cover options are critical illness cover, mortgage cover and over 50s life cover.


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