Direct Line Car Insurance

Direct Line car insurance offers no-claims and teen driver discounts. Accidents with uninsured drivers and vandalism claims don't count against the no-claims discount.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Here's what you need to know...

  • Direct Line’s insurance offers several incentives to individuals purchasing a car insurance policy.
  • Their No Claims discount increases for up to five years and is not lost if you have a claim after that time period.
  • They also offer a discount to teens who recently passed their driving test.
  • If you file a claim due to vandalism, this will not affect your No Claims discount.

For people looking for an auto insurance company to meet all their needs, Direct Line offers car insurance at competitive rates.

Founded on April 2, 1985, the insurer was the first insurance company to do business by phone.

The company did not rely on any middlemen to sell their product as they had a large enough staff to accommodate new and existing customers. This led to a simple streamlined service that allowed for cheaper prices.

Since 1985,the company has grown from 63 employees to over 10,000.

Today, it sells insurance products for motorists out on the roads across the UK as well as in Spain, Italy, and Germany and is listed on the London Stock Exchange, as well as being based in Britain.

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What car insurance features and benefits are offered?

Drivers insured with the company can take advantage of several features, including:

  • No Claims Discount – Every year that a car insurance customer does not file a claim, the insurer will provide them with a discount on their insurance premium. After five years the discount rises to 65 percent.
  • Voluntary Excess Payments – An excess is the amount that a person who is insured pays on a claim related to their car. You can choose to pay in excess in order to reduce your car insurance premium.
  • Guaranteed Rental Car – This is an optional feature that can be added for a small additional payment. If a person chooses to add this to their policy, they will provide a rental car for up to 14 days if the person insured files a claim on their car.
  • Legal Protection – Legal protection is another optional feature that can be added to a policy. Whether or not the person insured is at fault, the company will cover a certain amount of legal costs.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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What car insurance discounts are offered?

There are several ways insureds can save money on their insurance policies. Even though they are known for their No Claims Discount, there are several other discounts offered on your monthly payments, including:

  • Only Driver Discount – To take advantage of the only driver discount, a person must already have a car insurance policy on a car that only they drive. If the person purchases a second vehicle only they will drive, the company will provide him with an additional discount for the second vehicle.
  • Company Car No Claims Discount – Any company vehicle that is insured and has not had a claim filed on it for a year will be entitled a discount.
  • Multi-Car Discount – Additional cars added to a car insurance policy will receive a 10 percent discount. For people or families that need to insure two or more cars, they can insure their second or third car at a 10 percent discount the first year, and a five percent discount every year that the policy is held.
  • Pass Plus Discount – Teen drivers who have recently passed their driver’s test can celebrate with a five percent discount on their car insurance. To qualify, a new driver must purchase a policy within one year of passing the test.
  • Multi-Product Discounts – The insurer also offers a discount to customers who have other policies with the company. People with other policies will receive a 10 percent discount on their auto insurance.

What promises does the company make?

As well as promising customers fantastic service, the insurer makes two additional promises to all policyholders.

The first is that, if they were not at fault in an accident involving an uninsured driver, the accident will not count against the customer’s no claim discount.

The second promise the insurer makes to all its car insurance customers relates to vandalism.

Any  car insurance consumer that files a claim related to vandalism will not have the claim affect their no claim discount.

Direct Line car insurance offers many benefits to clients, but if you don’t live in Europe, you will need to look elsewhere for coverage.

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