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Nobody likes paying for things they don’t use. So, if at the end of your policy you’ve driven at least 1,000 miles less than you estimated, we’ll give you some money back. We call it Mileage MoneyBack, and it’s available to new and existing customers.
Opt in at any time. Between 2% and 20% of premium refunded. Excludes vans and optional extras. No refund given if policy is cancelled.
Find out moreDirect Line car insurance
You've come to the right place. We want to help you find the best car insurance for you. Choose from a range of cover types and add-ons to meet your needs.Multi-car insurance discount
If you've got more than one car to insure at the same address, we could save you money on each additional policy.
Introductory discount. Minimum premiums apply.DrivePlus Insurance for younger drivers
Ideal if you’re aged 25 or under. Using telematics technology, we’ll monitor your driving skills and potentially save you money based on your performance.MAKING ELECTRIC EASYThe world is going electric, and we want to help make the transition to plug-in vehicles as easy as possible for customers. Enter the world of electric cars with Direct Line.
Insure your car with Direct Line and get a free Zoom EV bundle.
The Zoom EV bundle includes discounts on home and public charging, reduced costs on home electricity and discounts on parking.
When you compare car insurance on price comparison sites, you won't see Direct Line. Getting a car insurance quote can be complicated, so we like to keep things simple.
We aim to offer cheap car insurance, but also want to provide the best car insurance for you by offering benefits that some other insurers don't.Guaranteed Hire Car
If your car is being fixed by one of our approved repairers, we'll get you a small hatchback to keep until it is fixed.
Alternatively, if you prefer to use your own garage or your car has been written off or stolen, you'll still get a hire car for up to 21 days in a row.
Offered with Comprehensive Cover. Doesn't include windscreen claims or customer-delayed claims.Onward Travel
If you've been involved in a crash and can't drive your car because of it, we'll get you a taxi so you can still complete your journey.
Offered with Comprehensive Cover for when you can't drive your car after an accident.
Taxi booked to one destination within the UK.Fair Claim Commitment
Unlike some other insurers, you can claim and your No Claim Discount is safe with us if the damage is caused by: potholes or poor road maintenance, theft from or of your car, being hit while parked, flood damage, if you hit or are hit by an animal, or hit by an object or debris (excluding vehicles).
With comprehensive cover as standard.Excess applies.Boost your cover
If you have a minimum of 4 years no claim discount, with no more than one fault claim within the past three years for all drivers combined, then you will be eligible to purchase No Claim Discount Protection.
Having No Claim Discount Protection means that your No Claim Discount (NCD) will not be affected by:
- One claim made during the current period of cover, or by
- Two claims arising in the three preceding years of insurance
You will cease to be eligible for the benefit if claims exceed the above number. However your premium may still increase following a claim.
Breakdown cover is one of those things you're glad to have when things go wrong.
In partnership with Green Flag, we offer four choices of breakdown cover to provide you with 24/7 assistance, 365 days a year plus unlimited callouts to breakdowns (this excludes repeated calls for the same incident).
Motor Legal Protection will provide up to £100,000 of sah costs to help you to claim, where no other insurance policy will cover your losses, as long as there is a more than 50% chance that your claim will succeed.
We'll keep you moving with a similar physical sized hire car to your own, plus:
- Choose one of our approved repairers and you can keep it until your car is fixed.
- You'll still get a hire car for up to 21 days in a row if yours is written off, stolen or you prefer to use your own garage.
- We'll also cover the travel costs if your car is stolen or you have an accident abroad - up to £50 a day and up to a maximum of £500 over the 21 days following your claim, if you have extended your cover to that country.
Comes as an optional extra only with Comprehensive. Keep in mind, this doesn't include windscreen claims & customer delayed claimsWhat factors impact the price of my quote?
Your Direct Line car insurance quote is a reflection on how likely you are to make a claim and how expensive that claim could be. It"s based on several different factors relating to you, your car and surroundings.
- Driver age and experience
On average, experienced drivers are less likely to have an accident compared to newer drivers. However, reported statistics indicate that the risk of being involved in an accident increases after the age of 70, and drivers over 70 and especially over 80 years, are more likely to be at fault when they crash. - Where you live
Some areas are riskier than others. Accidents are more likely if you live in an area with relatively high traffic levels. The higher numbers of pedestrians in cities can also increase the likelihood of injured parties. - What you do for work
Your job could influence the hours you work, the time you travel and the amount of driving you do. - Regulatory changes
These are changes made by the Government, such as larger payouts or the removal of legal costs for specific claims. - Traffic levels
The level of traffic on UK roads will change over time, influenced by things like the cost of petrol. When overall levels of traffic change, so do overall levels of claim frequency. - Type of vehicle you drive
Your car"s value, engine size and desirability could increase the risk of it being stolen or the cost of it being repaired. - How far you drive
The more miles you drive, the more likely you are to be involved in an accident. - Previous claims or convictions
It"s important you tell us about these events, or else it could invalidate your policy should you need to make a future claim. - Industry trends
This could include higher prices for parts and labour, patterns in car theft and the types of claims being made. - Insurance Premium Tax (IPT)
Government changes to IPT could unavoidably increase your quote.
There are many reasons why the cost of your car insurance premium may have changed on renewal, with some having a bigger impact than others.
Your premium is based on several factors relating to you, your car and your surroundings.
- Introductory discount
Any introductory discount to a Direct Line policy won’t apply beyond the first year. This could account for any big changes to the cost of your premium. - Claims or convictions
Your claims and conviction history is taken into consideration when pricing your policy. - 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 car insurance claims could see premiums increase to reflect the new risk level of your car’s location. - Traffic levels
The level of traffic on UK roads will change over time, influenced by things like the cost of petrol. When overall levels of traffic change, so do overall levels of claim frequency. - How far you drive
The more miles you drive, the more likely you are to be involved in an accident. - Industry trends
This could include higher prices for parts and labour, patterns in car theft and the types of claims being made. - Changes to Insurance Premium Tax
Government changes to IPT could unavoidably increase your quote.
Your car's registration number (or its make, contoh and year), as well as its value, purchase date and annual mileage.
Your address, driving license berita, previous claims and other named drivers on your policy.
An inaccurate or change in start date may affect your premium.
Details of any claim-free driving could reduce your premium. We may require proof.
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