Car insurance policy summary
For full terms and conditions please refer to the Car Insurance policy and summary document.
In-car equipment
Permanently fitted in-car audio, tv, telephone and electronic navigation equipment is covered up to £1,000.
Damage to third party property
Cover up to £20 million.
Damage to your vehicle
Your vehicle is covered up to its UK market value. We’ll settle your claim by sending you a cheque or bank transfer if it’s not cost effective to repair or replace what’s lost or damaged.
Vandalism protection
We’ll protect your No Claim Discount (comprehensive cover).
Uninsured Driver Promise
We have your excess covered if you're hit by an uninsured driver (comprehensive cover).
24/7 accident recovery helpline
Our accident recovery helpline is available to you at all times (comprehensive cover).
Repairs guaranteed for five years
Repair work is guaranteed for five years if you use one of our approved repairers and your vehicle will be cleaned inside and out before being returned to you.
Replacement child car seats
Child car seats will be replaced in the event of accident, fire or theft even if there is no apparent damage.
Driving other cars
This is included in your policy (subject to selected criteria being met). Cover is limited to Third Party Only. Please refer to your certificate of motor insurance to see if you have this benefit.
Medical expenses
We will pay medical expenses for each person injured in the event of an accident (comprehensive cover).
Personal belongings
Your clothing and personal belongings are covered for loss or damage in the event of accident, fire or theft (exclusions apply, comprehensive cover only).
Hotel expenses
We will pay up to £150 for the driver (or £250 in total for all the people in the car) towards the cost of an overnight stay in a hotel if your car cannot be driven after an accident (comprehensive cover).
Windscreen damage
Included in comprehensive policies. All you need to pay is the excess.
Discounts
No Claim Discount
If no claims are made against your policy your renewal premium will be adjusted at renewal.
Named Driver No Claim Discount
Named Drivers will earn their own Named Driver No Claim Discount to use when they take out their own car insurance policy with us.
Multi-car Discount
You will get 10% off every car insured with us in the same household.
Only Driver Discount
If you’re the only person insured on your Direct Line car insurance policy and you buy an additional car that will only be driven by you, we’ll give you an extra discount on the policy for your new car.
Breakdown Discount
We’ll give you up to 25% off our highest levels of UK breakdown cover.
Home Insurance Discount
We offer our car insurance customers a 10% discount when they buy a new home insurance policy with us.
Optional Extras (for a small additional premium)
Motor Legal Protection
Provides legal cover of up to £100,000 to help recover uninsured losses from the party at fault.
Guaranteed Hire Car
We’ll supply a hire car up to 14 days in a row. The vehicle will be a small 1000cc hatchback car or similar. Available to customers who have comprehensive policies.
Guaranteed Hire Car Plus
We’ll supply a hire car up to 21 days in a row. The vehicle will be of a similar physical size to their own. Available to customers who have comprehensive policies.
Protected No Claim Discount (NCD)
After 4 years, you can protect your NCD. You can make 1 fault claim in one period of insurance or 2 fault claims in any 3 consecutive periods of insurance and you won't lose your hard-earned discount.
