Direct Line Home Insurance: Summary of cover

Below are the choices of cover available to you:

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.

Link to previous article : Direct Line Home Insurance Overview
Directline Car Insurance: Legal Protection
Direct line Car Insurance Claims process
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