Direct Line Life Insurance Critical Illness Cover: Amount of Cover

How much you should take out is something you must consider. There is not a definitive answer, but you may wish to think about some of the following:

What do you require the life cover for?

• Security for your family/partner.

• Required to pay off your mortgage or other loans.

There are other considerations which you should then take into account:

• How much is your mortgage.

• What type of mortgage do you have.

• What are your general family living expenses.

• For how long will your partner and/or children be dependent on your income and what education commitments might you be required to meet.

• If you have other savings what might it earn for family income. You should also allow for a reasonable rate of inflation as life cover is generally a long term purchase. For example compare prices now to ten years ago. It really is up to you, you should consider what income would be required should you die or suffer a critical illness to keep your dependants in the same lifestyle and standard of living as they have now. Also note this will not just be for one year, but possibly a number of years, especially if your children are young. It's tempting to put off any decision about taking out life cover but beware:- • Approximately 1,700 people die everyday in the UK (Source: The Office for National Statistics). • Every year that you delay increases the cost.

Link to previous articles: Life Insurance with Critical Illness Cover: Types of cover Direct Line Critical Illness Cover Overview Directline European Breakdown Cover: Travel claims FAQ Directline European Breakdown Cover: Travel claims Directline European Breakdown Cover Summary Directline Travel Insurance: European Breakdown Cover

Life Insurance with Critical Illness Cover: Types of cover

Direct Line Critical Illness cover has two types of cover:

• Fixed Term Life Cover with Critical Illness
• Mortgage Life Cover with Critical Illness

Fixed term life cover with critical Illness

This is a protection policy that will pay out a cash lump sum if you die or are diagnosed with a critical illness that meets our policy definition within a set period of time known as the policy term. The amount of cover remains fixed throughout the policy term.

Mortgage life cover with critical illness

Unlike the Fixed Term policy, this is a decreasing protection policy where the level of cover reduces each year during the term of the policy roughly in line with the outstanding balance on a standard repayment mortgage – hence it is frequently referred to as “mortgage protection”.

Provided the initial sum insured and term are the same as the mortgage at the outset it means that in the event of death or diagnosis of a critical illness that meets our policy definition the policy should be sufficient to repay the mortgage provided interest rates have not risen above 12% p.a.

General policy information applying to both products

• Minimum age to take out a policy is 18 next birthday

• Maximum age to start a policy is 65 next birthday

• Minimum term is 5 years

• Maximum period of cover is up to the age of 70 next birthday

• Minimum sum assured

• Up to the age of 40 - £30,000

• Over the age of 40 - £20,000

• Maximum sum assured - £500,000 • Both pay out in the event of death or on diagnosis of a terminal or a specified critical illness. (A terminal illness claim must be notified to us at least 18 months before the end of the policy term) • Both policies can be written in trust if required. • Both polices can be taken out on a single life or joint life first death or diagnosis basis • Premium payment is by monthly direct debit only • Once confirmed terms have been offered, confirmation can be faxed to your solicitor or lender if a mortgage is involved • Your premium can change during the term of your policy There is no surrender value or cash-back at the end of the policy term - it merely expires as it is a protection only policy

Link to previous articles: Direct Line Critical Illness Cover Overview Directline European Breakdown Cover: Travel claims FAQ Directline European Breakdown Cover: Travel claims Directline European Breakdown Cover Summary Directline Travel Insurance: European Breakdown Cover Directline Tradesman Business Insurance: Assumptions made

Direct line Critical Illness Cover

The Critical Illness Cover deal that gets even better...

1. Our life insurance with critical illness cover is available from 27p a day

2. You can arrange your cover easily by phone or online

3. No complicated forms to fill in as we take care of it all for you 4. We can often offer cover instantly What is critical illness cover? Our life and critical illness cover pays out a lump sum if you either die or are diagnosed with a critical illness thats meets our policy definition. We only cover the critical illnesses we define in our policy and no other. We offer two types of cover: - Fixed Term Life Cover with Critical Illness - Mortgage Life Cover with Critical Illness

Link to previous articles: Directline European Breakdown Cover: Travel claims FAQ Directline European Breakdown Cover: Travel claims Directline European Breakdown Cover Summary Directline Travel Insurance: European Breakdown Cover Directline Tradesman Business Insurance: Assumptions made Direct Line Tradesman Insurance: Claims FAQ

Directline European Breakdown Cover: Travel claims FAQ

Q: What kind of details and additional information will I be asked to provide?
Q: What is a Policy Excess?
Q: What service does the emergency helpline offer?
Q: How will I know if my claim is covered by my policy?
Q: While I'm away from home, do I need to report any loss or theft to the police?
Q: What should I do if my belongings are damaged or temporarily lost in transit?
Q: What should I do if I need medical attention while abroad?
Q: What should I do if I need to return home urgently?
Q: What do I need to do in the event of a travel delay?
Q: Are there organisations I can contact for counselling if I am upset by the incident?
Q: How long will it take to sort out my claim?
Q: Who will deal with my claim once it has been reported?
Q: What measures do Direct Line take to prevent fraud?
What kind of details and additional information will I be asked to provide?

It is helpful if you keep receipts, guarantees, instruction manuals, valuations or photographs of your belongings as these may help to support your claim.
We may also ask you to provide us with estimates or invoices for claims involving replacement of items or medical expenses.

What is a Policy Excess?

This is the part of the claim that you agree to pay - we cover you for the remaining amount up to the limit of your cover. Our Claims representatives will inform you of the amount of the excess and details can also be found in your policy schedule.
We will deduct the amount of the Policy Excess from the settlement of your claim, or alternatively our appointed specialist or supplier will collect this amount from you on our behalf.

What service does the emergency helpline offer?

When away from home, the unexpected always happens at the most inconvenient time. If you are unable to contact us, you can call our emergency helpline service, which is operated in conjunction with Direct Line Assistance Service.
Direct Line Assistance Service are a specialist provider who operate a 24-hour emergency assistance service. They are available at any time to discuss the nature of your problem and to provide specialist advice and assistance to you.

How will I know if my claim is covered by my policy?

Our Claims representatives are fully trained and have an excellent knowledge of the policy cover you have arranged with us. Wherever possible, we will let you know during your first call to us whether your claim is covered by your policy. It may help you to read through your policy details before ringing us to report your claim.

While I'm away from home, do I need to report any loss or theft to the police

Yes, you should report any loss or theft to the police within 24 hours of discovery.In the event that you are unable to contact the police, a report should be made to either your tour representative, accommodation provider or carrier - for example the airline or ferry company.

What should I do if my belongings are damaged or temporarily lost in transit?

You should report any damage or temporary loss to your carrier (for example the airline or ferry company) and obtain a 'Property Irregularity Report' (commonly known as a 'PIR') from them. Please keep any damaged items for inspection.
If your belongings have been temporarily lost and you need to purchase any replacement items, please keep all your receipts as this will help us to deal with your claim.

What should I do if I need medical attention while abroad?

If the medical condition appears to be serious, you should contact our emergency helpline straightaway for advice and assistance. For any other medical treatment, you should pay any bills yourself and keep the receipts as this will help us to deal with your claim.

What should I do if I need to return home urgently?

In the event that you need to return home urgently - don't worry - simply contact our emergency helpline straightaway for advice and assistance.

What do I need to do in the event of a travel delay?

You should obtain written confirmation from the airline, train or ferry company, giving exact details of the reason for and length of the delay.

Are there any organisations I can contact for counselling if I am upset by the incident?

Direct Line, in association with Victim Support, can provide you with support when you need it the most. The emotional effects of a theft or loss can be difficult to deal with - you may feel angry, frightened or unsafe.
Most people suffer in silence, but you needn't - just sharing your thoughts can help. Together, Direct Line and Victim Support can help you pick up the pieces practically and emotionally.
Victim Support is the national charity offering victims of crime emotional support through trained volunteers and, if you need a knowledgeable and sympathetic ear, the service is available 24 hours a day.
Simply call the Victim Support line on 0845 30 30 900 or have a look at their web site at www.victimsupport.com

How long will it take to sort out my claim? Some claims are more straightforward than others - when you call us, one of our Claims Advisors will give you an indication of the timescales involved. Who will deal with my claim once it has been reported? We have our own dedicated Travel Claims Unit, based in our Glasgow office. The contact details are: Travel Claims Unit Direct Line House 14-18 Cadogan Street Glasgow G2 6QN Telephone - 0845 246 8680 Fax - 0141 204 4754 Calls may be recorded What measures do Direct Line take to prevent fraud? Our main aim is to ensure that our honest customers, which of course are the vast majority, are dealt with as soon as possible. However, we know that fraud is a reality and that a very small number of people provide false details in order to make up, or inflate claims. We believe that it is important that we identify these people and avoid paying such claims as they affect the cost of insurance for everybody. As fraud is a criminal offence, we believe it is our duty to forward details of fraud to the Police. There are a number of insurance industry databases through which we share information with other companies about claims and fraudsters. This allows us to use the latest technology to make many checks looking for unusual features and fraud. We also share some information about fraud with other companies within the financial services industry, the Police and other bodies where the law allows us to do so. These pages are for information purposes only. They do not form part of the contract of insurance.

Link to previous articles: Directline European Breakdown Cover: Travel claims Directline European Breakdown Cover Summary Directline Travel Insurance: European Breakdown Cover Directline Tradesman Business Insurance: Assumptions made Direct Line Tradesman Insurance: Claims FAQ Direct Line Tradesman Insurance: How to make a claim?

Directline European Breakdown Cover: Travel claims

Need to make a claim to Directline European Breakdown Cover? We're here to help you.

It is when you need to make a claim that you find out how good your travel insurer really is. You can be sure that we will deal with your claim quickly and fairly, paying up to the limit of your cover.

Call: 0845 246 8680

Lines open: 9am-5pm Monday to Friday

Out of hours call: 24-hour Emergency Helpline on:

Direct Line Assistance Service
+44 870 241 4628

Calls may be recorded. Max call charge from a BT landline is 3p per minute. Calls from other networks may vary.

Your step-by-step guide to making a travel claim

Before you ring us

Please have your policy number ready - you will find this at the top of your schedule.

What happens Next? You will be asked to provide details of your claim by one of our friendly Claims representatives. We will advise you whether your claim is covered by your policy and the amount of any excess which may apply. We will issue a claim form to you straight away. You may be asked to provide us with additional information to support your claim. We will explain to you what will happen next.

Link to previous articles: Directline European Breakdown Cover Summary Directline Travel Insurance: European Breakdown Cover Directline Tradesman Business Insurance: Assumptions made Direct Line Tradesman Insurance: Claims FAQ Direct Line Tradesman Insurance: How to make a claim? DirectLine Business Tradesman Insurance FAQ

Directline European Breakdown Cover Summary

Two levels of cover - the choice is yours:

1. Breakdown

Our standard level of cover provides you with emergency assistance if your car breaks down or is involved in an accident. If your car can't be repaired, we will provide a replacement vehicle and make sure the car and passengers get home to the UK. And if the driver's taken ill or injured, we'll get the stranded passengers home too.

2. Breakdown and Travel Cover

In addition to first class European breakdown cover, this option includes extensive travel insurance for you and all your passengers. We'll be there to help should there be a medical emergency, and you'll be protected from incurring costs due to things such as unavoidable cancellation, delays and lost baggage.

Summary of Cover

Breakdown Cover

Pre-departure protection	Up to £800
Roadside assistance and recovery service	Up to £250
Hire of replacement vehicle	Up to £800
Returning you and your car to home address	Market Value
Emergency repairs following theft	Up to £175
Driver illness	Repatriation costs paid*
Delivery of replacement parts	No limit
Loss of tent	Up to £100 per person
Legal advice and expenses	Up to £10,000 per person
Alternative route	Up to £1,500 per party

Travel Cover

Emergency medical expenses	Up to £5,000,000 per person
Personal possessions	Up to £1,500 per person
Personal money	Up to £500 (£250 cash) per person
Cancellation	Up to £5,000 per person
Curtailment	Up to £5,000 per person
Travel Delay	Up to £200 per person
Personal liability	Up to £2,000,000 per party
Personal accident	Up to £25,000 per person
Loss of passport	Up to £250 per person

You can also add Winter sports cover to your Travel cover

Equipment	Up to £500 per person
Essential replacement items	Up to £300 per person
Loss of ski pass and fees	Up to £250 per person
Piste closure	Up to £200 per person
Delayed resort departure	Up to £200 per person

*In the event of driver illness we will ask for another member of the party to drive is there is one, or we may provide a qualified driver to drive the vehicle back. Repatriation (up to market value) will be arranged if either of these is not possible. Excess: An excess of £40 per person will be applied to certain claims in respect of Personal Possessions and Money, Emergency Medical Expenses, Loss of Passport, Cancellation, Curtailment and Winter sports. A £100 excess will apply to certain Personal Liability claims.

Link to previous articles: Directline Travel Insurance: European Breakdown Cover Directline Tradesman Business Insurance: Assumptions made Direct Line Tradesman Insurance: Claims FAQ Direct Line Tradesman Insurance: How to make a claim? DirectLine Business Tradesman Insurance FAQ Direct Line Business Insurance: Overview

Directline Life Insurance: Mortgage Life Cover

One of the main reasons for taking out life insurance is to make sure your loved ones don’t go without a roof over their heads if the worst were to happen. If this is your main priority then Direct Line Mortgage Life Cover could be an appropriate choice for you…
With Direct Line, you can choose from two types of Life Insurance: Fixed Term Life Cover (the type that pays out a fixed lump sum on the death of the life assured) and Mortgage Life Cover. The latter is sometimes known as mortgage protection.
For many people, mortgage life cover is an unknown entity until they purchase their first property. This is because many mortgage lenders recommend that there is some insurance in place that will make sure it will be paid back –if you die during the term of the mortgage. You may find that Direct Line Mortgage Life Cover offers great value for money.

A must for mortgage protection

Even if your mortgage lender doesn’t specify that you take out mortgage cover, it is vital that you consider how your dependents would repay the loan if you are not here, otherwise they may need to sell their home.

While the amount you may need to pay off a mortgage can be built into Fixed Term Life Cover (along with provision for living expenses and maintenance of lifestyle), Mortgage Life Cover can be a cheaper option, if you are on a budget for example. This is because Direct Line Mortgage Life Cover is a decreasing protection policy where the level of cover reduces each year, roughly in line with the outstanding balance on a standard repayment mortgage. Provided the initial sum insured and term are the same as the mortgage at the outset (and interest rates do not rise above 12%), the policy should be sufficient to repay the mortgage in the event of death.

On our website you’ll find general policy information on Direct Line Mortgage Life Cover under ‘Types of Cover’, plus full policy terms and conditions. You’ll also find details on Fixed Term Life Cover, which can be taken out as a separate policy if necessary for extra peace of mind. Why not apply for a quote for Direct Line Mortgage Life Cover today.

Link to previous articles: Directline Life Insurance: Level of Cover you need Directline Life Insurance: Tips and Advice Directline Life Insurance: Get Life insurance cover Directline Life Insurance: How much cover do you need? Direct Line Life Insurance: Types of Covers Direct Line Life Insurance: Overview

Directline Life Insurance: Level of Cover you need

Don’t underestimate the amount of life insurance required to protect your loved ones – sadly many people do. A few simple sums before you apply for a quote could make all the difference.

Generally the point of taking out life insurance is to make sure you don’t leave your loved ones in the lurch should the worst happen to you. But if you don’t take out any, or even enough cover, that’s exactly what you could do. For example, a total sum of £100,000 might sound like a lot, but how far will it stretch to cover a family of five over 20 years?

To get started on working out the right amount for you, first check out the range of Direct Line Life Insurance on offer under ‘Types of cover’ to check which one may be suitable for you. You’ll see that we offer Fixed Term Life Cover and Mortgage Life Cover. We also offer Life with Critical Illness Cover on both Fixed Term and Mortgage Life. We can’t tell you how much cover to take out, but there are some guidelines on maximum and minimum amounts. For full details on our Life Insurance policies you should read our Life Insurance Policy Documents online.

If you choose a Fixed Term Life Cover policy, you might wish to work out a figure that will provide enough security for your family or partner. This would provide a lump sum that could include cover for the mortgage, bills, education costs where relevant and any extra living costs that they are accustomed to.

If you choose a Mortgage Life Cover policy, the cover amount can be directly related to how much mortgage you have left to pay. The level of cover reduces each year, roughly in line with the outstanding balance on a standard repayment mortgage.

In both cases you also need to work out the ‘term’ of your policy – anywhere between five years and the time between now and your 70th birthday for persons between the ages of 17 and 64 years. The factors that may influence your choice of term are such as your age and how old your children are.
To help you work out a final sum for Fixed Term Life Cover, you may wish to consider the checklist below:

What are my monthly general expenses?

Mortgage (amount left to pay and in what format, consider would this be repaid from this life cover or another policy)
Family living costs (bills, education, food, clothing, transport, lifestyle / entertainment etc.)

What are my one-off expenses?

Debts to pay off (loans, bills)

Other questions to ask

• How much does your partner earn / could this contribute to costs? • Do I have any savings / assets that could be sold? • Does my partner have life insurance? • How old are my children and what are their dependency / education needs? • How old am I, and what is the death risk involved (is there any illness)? • How long do I need the policy for? • What is the rate of inflation and how will this affect me? • Do I have other life cover? When you have worked out the total amount of cover you need you are ready to apply for a Direct Line Life Insurance quote, we will work out a premium for you.

Link to previous articles: Directline Life Insurance: Tips and Advice Directline Life Insurance: Get Life insurance cover Directline Life Insurance: How much cover do you need? Direct Line Life Insurance: Types of Covers Direct Line Life Insurance: Overview Direct Line Pet Insurance Claims Process

Directline Life Insurance: Tips and Advice

No time like the present

Taking out life insurance can be a great weight off your mind, especially if you have family or loved ones who depend on you. With Direct Line Life Insurance, arranging cover sooner rather than later can help keep your premiums down and give you peace of mind.
Life insurance is often seen as an afterthought – just one more bill to pay. But if you have dependants, it’s vital to make sure they will be provided for if you are not around. Direct Line offers two types of Life Insurance. Fixed Term Life Cover ensures a fixed sum is paid if you die within the agreed policy term. Mortgage Life Cover ties in with your standard repayment mortgage and could provide a cash lump sum, that will decrease at a similar rate to your mortgage should the worst happen.
In both cases the age range that can be covered by Direct Line Life Insurance is 17 and 69. The maximum age to start a policy is 65 (next birthday), with the minimum term being five years. It’s worth noting that your age and personal situation, will determine how much premium you will pay. Younger people tend to pay less because of course life insurance is worked out using life expectancy and generally the older you get the more likely you are to die.

Of course, you may have been putting off taking out a life insurance policy because you can’t face the thought of all the paperwork. With Direct Line, there are no complicated forms to fill in – we take care of all this for you. You can apply for a quote by phone or quickly and easily online. Once we’ve approved your quote, you could be covered from as little as £6 a month depending on your age and personal situation.

Stop smoking

Worried about the costs of smoking? Not only can your nicotine habit seriously affect your health and leave a dent in your bank balance by the sheer cost per packet, it can also affect how much premium you pay on your Direct Line Life Insurance.
Of course, many factors affect your Life Insurance premium. But while you can’t change things such as your age, you can help your case by giving up smoking. Not only does a ‘non-smoker’ status score points when you apply for a Direct Line Life Insurance quote, it also positively impacts on other factors, such as your health. Cheaper premiums are available for ex-smokers who have given up smoking for at least 13 months.
While very few people would give up smoking just to keep their Life Insurance premium down, having to tick the ‘smoker’ box and know that it adds even further to your living costs could be the catalyst to help you give up the habit for your health.
The costs of smoking

Puffing away might feel great at the time but this means many smokers are in fact in denial about the effects. To others these noticeably include wheezing and shortness of breath, lack of energy, dull skin, poor circulation and nicotine-stained fingers and teeth. On the inside – and more seriously – smoking could also be a culprit behind lung cancer, heart attack and stroke, and emphysema.
On the financial side, the results can be equally as crippling: at today's rates, a 20-a-day smoker will spend £36,500 over the next 20 years (Figure taken from www.ash.org.uk).
Then, of course, smoking doesn’t only affect you. It pollutes the air around you, places children at a higher risk of asthma and can be unpleasant for those who don’t smoke but have to share public places with you.
Help giving up

It isn’t all doom and gloom, though. Medical research shows that within 10 to 15 years of giving up smoking the risk of developing lung cancer is only slightly more than for a non-smoker.

Once you decide to give up, there is plenty of help at hand. You can visit your GP for advice or look on the NHS website www.gosmokefree.co.uk. This includes a range of fact sheets, tips and advice such as what makes you smoke in the first place, how to break the habit, aids to use such as patches and chewing gum, and what to expect as and when you do give up. Research also shows that stopping smoking is easier with the help of others, so you can also benefit from the recently launched ‘Together’ scheme. This guides you through the process of giving up smoking from the day you decide to stop until you have successfully quit, full stop. The service is free – all you need to do is register online at givingupsmoking -together.broadsystem.com or call the NHS Smoking Helpline on 0800 169 0 169 quoting 'Together Online' (lines open daily from 7am to 11pm). They can also put you in touch with a local NHS Stop Smoking Service, so you can see a specialist on a one-to-one basis or join a group of people who are giving up at the same time. So for the benefit of your health and your bank balance, why not decide to stop now?

Link to previous articles: Directline Life Insurance: Get Life insurance cover Directline Life Insurance: How much cover do you need? Direct Line Life Insurance: Types of Covers Direct Line Life Insurance: Overview Direct Line Pet Insurance Claims Process Direct Line Pet Insurance: Summary of cover

Directline Life Insurance: Get Life insurance cover

Direct Line was the insurance company which pioneered the use of the telephone to provide customers with the facility to purchase insurance over the telephone quickly and simply. The same principle applies with life assurance only it's even easier! You can now obtain an initial quote online and go ahead with a full application, which may allow us to offer you immediate cover. Alternatively, if you prefer, everything can be done over the telephone - just call us on 0845 246 8080*.
In some instances we may require a simple medical report or simple medical examination. However, we try to make that as convenient and as easy for you by arranging appointments to suit you at your convenience. In most cases this can even be carried out within the comfort of your own home. Further, should you require such a medical, free accidental death cover will be put in place for you in order to allow the time for the medical process to be carried out.

Online

Simply click Get a Quote and you will be taken directly to our buy online screens. All you are required to do is answer a few simple lifestyle questions to obtain your quote and if you wish to continue a short medical questionnaire must be completed. This may enable you to be covered online with us immediately assuming you require an immediate start date.

At any time, however you can save your data and follow up with a phone call to us as well - telephone number 0845 246 8080*. By phone If you prefer to speak with one of our operators and obtain your cover over the phone just call - 0845 246 8080* during 8am - 8pm (Monday to Friday) or 9am - 5pm (Saturday). Again the process is as simple as above - answer a few lifestyle questions and if you wish to continue a few medical questions. Again this may enable you to be covered over the phone with us, again assuming an immediate start date. *Calls may be recorded.

Link to previous articles: Directline Life Insurance: How much cover do you need? Direct Line Life Insurance: Types of Covers Direct Line Life Insurance: Overview Direct Line Pet Insurance Claims Process Direct Line Pet Insurance: Summary of cover Direct Line Pet Insurance

Directline Life Insurance: How much cover do you need?

It's tempting to put off any decision about taking out life cover but beware:-

Approximately 1,700 people die everyday in the UK (Source: The Office for National Statistics)
Every year that you delay increases the cost

How much you should take out is also something you must consider. There is not a definitive answer, but you may wish to think about some of the following:

What do you require the life cover for?

Security for your family/partner
Required for your mortgage

There are other considerations which you should then take into account:

• How much is your mortgage?

• What type of mortgage do you have? • What are your general family living expenses? • For how long will your children be dependent on your income and what education commitments might you be required to meet? • If you have other savings what might it earn for family income? You should also allow for a reasonable rate of inflation as life cover is generally a long term purchase. For example compare prices now to ten years ago. It really is up to you, you should consider what income would be required should you die to keep your dependents in the same lifestyle and standard of living as they have now. Also note this will not just be for one year, but possibly a number of years, especially if your children are young.

Link to previous articles: Direct Line Life Insurance: Types of Covers Direct Line Life Insurance: Overview Direct Line Pet Insurance Claims Process Direct Line Pet Insurance: Summary of cover Direct Line Pet Insurance Travel Insurance: Claims information

Directline Life Insurance: Types of Cover

Directline has two types of covers for Life Insurance:

• Fixed Term Life Cover

• Mortgage Life Cover

Fixed Term Life Cover

This is a protection policy that will ensure that a cash lump sum is paid out if death occurs within a specified period of time known as the policy term. The amount of life cover remains fixed throughout the policy term.

Mortgage Life Cover

Unlike the Fixed Term policy, this is a decreasing protection policy where the level of cover reduces each year roughly in line with the outstanding balance on a standard repayment mortgage – hence it is frequently referred to as “mortgage protection”.

Provided the initial sum insured and term are the same as the mortgage at the outset it means that in the event of death the policy should be sufficient to repay the mortgage provided interest rates have not risen above 12% p.a.

General policy information apply to both products

• Minimum age to take out a policy is 18 next birthday

• Maximum age to start a policy is 65 next birthday

• Minimum term is 5 years

• Maximum period of cover is up to age 70 next birthday

• Minimum sum assured
-up to age 40 - £30,000
-over age 40 - £20,000

• Maximum sum assured - £2 million

• The premium is fixed at the outset and remains exactly the same throughout the policy term

• Both pay out in the event of death or on diagnosis of a terminal illness (not to be confused with critical illness), however a terminal illness claim must be notified to us at least 18 months before the end of the policy term

• Both policies can be written in trust if required • Both policies can be taken out on a single life or joint life first death basis • Premium payment is by monthly direct debit only • Once confirmed terms have been offered, this fact can be faxed to your solicitor or lender if a mortgage is involved • There is no surrender value or cash-back at the end of the policy term - it merely expires

Link to previous articles: Direct Line Life Insurance: Overview Direct Line Pet Insurance Claims Process Direct Line Pet Insurance: Summary of cover Direct Line Pet Insurance Travel Insurance: Claims information Direct Line Van Insurance: Legal Protection

Directline Life Insurance

The Directline life insurance good deal that gets even better...

• Get life insurance cover from just 20p a day

• Easy to arrange online or over the phone

• There are no complicated forms to fill in

• We often offer instant cover

• We also offer Critical Illness Cover.

Find out more about our types of cover for Directline Life Insurance

Our fixed term life cover policies will pay out a lump sum to help provide for your loved ones should you die within the term of the policy.

But you can also apply for Life cover with Critical Illness protection, to help protect you and your family if you are diagnosed with a specified critical illness.

Why would I need Directline Life Insurance?

If the unthinkable happened and you were not around, our policies can help make sure that your family's finances will be one less thing to worry about.

Simply choose the level of cover you require, and there will be a lump sum available to help when they need it.

What if I'm already covered? Even if you already have life insurance, it makes sense to carefully review it to make sure you've got the cover you need. You may not have enough cover if your circumstances have changed recently - for instance, if you've just had kids, or moved home. call us on 0845 246 8080. To find out how much you could save on your life insurance...

Link to previous articles: Direct Line Pet Insurance: Missing Pets Bureau Direct Line Pet Insurance Claims Process Direct Line Pet Insurance: Summary of cover Direct Line Pet Insurance Travel Insurance: Claims information Direct Line Van Insurance: Legal Protection

Direct Line Pet Insurance: Missing Pets Bureau

Keep your pet safe with Petback Protect

Direct Line always has something great additionals to offer. So here is something that might be of interest to you, if you buy pet insurance from Directline. If you become a Direct Line pet insurance customer you will be entitled to 1 years FREE Petback Protect membership with the Missing Pets Bureau.

Protection for your pet - reassurance for you...

The Missing Pets Bureau will provide you with a unique pet ID tag and store ALL information needed (address, phone numbers, medical history etc.) to reunite you if your dog or cat strays.

Should your pet be lost or stolen its details (including a colour photo) are immediately transferred into the national missing pets register The Missing Pets Bureau work with 10,000 UK pet care organisations including the RSPCA, Battersea Dogs' Home, rescue centres, vets and animal wardens to ensure that you get your pet back fast The Bureau will contact you immediately, 24 hours a day, when your pet is found. ]Further information about Petback Protect will be sent with your pet insurance policy should you choose to purchase Direct Line pet insurance.

Link to previous articles: Direct Line Pet Insurance Claims Process Direct Line Pet Insurance: Summary of cover Direct Line Pet Insurance Travel Insurance: Claims information Direct Line Van Insurance: Legal Protection Direct Line Van Insurance: New improved Van Insurance

Direct Line Pet Insurance Claims Process

If you need to make a claim, you can be sure we will deal with it quickly and fairly. Wherever possible you must contact us before incurring any costs for which you may wish to claim. If you wish, we can arrange to pay the bills direct to your vet to make things easier for you, providing your vet agrees.

Call: 0845 246 8712

Lines open: 9am - 5pm Monday to Friday

Calls may be recorded

Your step-by-step guide for Pet Insurance Claims Process

- Before you ring us, please have your policy number ready – you will find it at the top of your policy schedule
- One of our friendly Claims Representitives will ask for details of your claim
- We will inform you of the excess and how to continue with the claim
- We may ask you for more information to support your claim
- We will then send you a claim form, and explain what will happen next

Frequently Asked Claims Questions

Q: What kind of details and additional information will I be asked to provide?

Q: What is a Policy Excess?

Q: What services does the Pet Advice Line offer?

Q: How will I know if my claim is covered by my policy?

Q: If my claim is for vet's fees, does the vet need to complete part of the claim form?

Q: Is it possible for my claim to be settled directly with the veterinary practice?

Q: If my pet has a condition which requires ongoing treatment, do I need to wait until the treatment has finished before submitting my claim?

Q: What should I do if my pet is referred on to a Specialist by the vet?

Q: What should I do if I have added Overseas travel cover to my policy?

Q: Will my premium increase if I make a claim?

Q: How long will it take to sort out my claim?

Q: Who will deal with my claim once it has been reported?

Q: What measures do Direct Line take to prevent fraud?

What kind of details and additional information will I be asked to provide?
If you wish to claim for vet's fees, we will ask you for details of the pet you are claiming for, the nature of the illness or injury and when the problem started.


We will also ask you which veterinary practice you will or have already attended and the cost of the treatment, if this is known.

Should your claim not involve vet's fees, we will advise you of the exact information we require during your first call to us.

What is a Policy Excess?
This is the part of the claim that you pay. Our Claims Representive will inform you of the amount of the excess and details can also be found in your policy schedule.

We will deduct the amount of the Policy Excess from the settlement of your claim - in the event that any treatment for your pet is ongoing, we will only apply the excess once at the start of the claim.

What services does the Pet Helpline offer?
Our Pet Helpline offers you access to three pet advice lines - 24 hours a day, 365 days a year.

Find a vet
- unfortunately a medical emergency can occur at any time. If you are unable to contact your usual vet or if you and your pet are away from home, our advice line is able to assist. We have details of veterinary practices providing cover throughout the UK, and we will be able to provide you with details of a practice near you.

Pet Bereavement Counselling
- it can sometimes be difficult to come to terms with the loss of a much loved pet. We provide a service staffed by professionals offering counselling, advice and support to you.

Legal Advice Line
- the ownership of a pet involves additional responsibilities. Your policy gives you access to practical legal advice on any personal problem, whether it relates to an incident involving your pet or not. Legal professionals are on hand to explain complex legal issues in plain language, and in a helpful and friendly way.

How will I know if my claim is covered by my policy?
Our Claims Advisers are fully trained and have an excellent knowledge of the policy cover you have arranged with us. For claims involving illness or disease, it is likely that we will require detailed information from your veterinary surgeon to determine whether your claim is covered.

It may help you to read through your policy details before ringing us to report your claim.

If my claim is for vet's fees, does the vet need to complete part of the claim form?
Yes - in most cases we will require your veterinary surgeon to complete the reverse side of the claim form.

Is it possible for my claim to be settled directly with the veterinary practice?
Yes, providing that the vet has agreed to this. Please indicate on the space provided on the claim form, should you wish us to do this.

If my pet has a condition which requires ongoing treatment, do I need to wait until the treatment has finished before submitting my claim?
No - we are able to settle any initial costs, then make interim payments should further treatment be necessary.

What should I do if my pet is referred on to another vet?
In the event that your pet is referred on to another vet - simply contact us straightaway for advice and assistance.

What should I do if I have added Overseas travel to my policy?
You should keep receipts, invoices or any other evidence of your expenses as these may help to support your claim.

Included with your 'Pet documents' is a blank claim form - in the event that you need to claim for any veterinary treatment, please ask the vet that treats your pet to complete this. Don't worry if this is not written in English - we will be able to translate it.

You do not need to notify us of your claim until your return to the UK.

Will my premium increase if I make a claim?
No. As most incidents affecting your pet will be outside of your control we do not feel you should be penalised for making a claim. For the same reason we do not offer a 'no claims discount' on our pet insurance policies.

How long will it take to sort out my claim?
Some claims are more straightforward than others - when you call us, one of our Claims Representives will give you an indication of the timescales involved.

Who will deal with my claim once it has been reported?
We have a dedicated Pet Claims Unit, based in our Bristol office. Their contact details are:

Pet Claims Unit
Direct Line Insurance plc
Direct Line House
1 Cathedral Square
Trinity Street
Bristol
BS1 5DL

Telephone - 0845 246 8496
Fax - 0117 984 6890

Calls may be recorded

What measures do Direct Line take to prevent fraud?
Our main aim is to ensure that our honest customers, who of course are the vast majority, are dealt with as soon as possible. However, we know that fraud is a reality and that a very small number of people provide false details in order to make up, or inflate claims. We believe that it is important that we identify these people and avoid paying such claims as they affect the cost of insurance for everybody. As fraud is a criminal offence, we believe it is our duty to forward details of fraud to the Police.

There are a number of insurance industry databases through which we share information with other companies about claims and fraudsters. This allows us to use the latest technology to make many checks looking for unusual features and fraud. We also share some information about fraud with other companies within the financial services industry, the Police and other bodies where the law allows us to do so. These pages are for information purposes only. They do not form part of the contract of insurance. Calls may be recorded. Max call charge from a BT landline is 3p per minute. Calls from other networks may vary.

Link to previous articles: Direct Line Pet Insurance: Summary of cover Direct Line Pet Insurance Travel Insurance: Claims information Direct Line Van Insurance: Legal Protection Direct Line Van Insurance: New improved Van Insurance Direct Line Van Insurance: Types of cover

Direct Line Pet Insurance: Summary of cover

We cover cats and dogs:

• Excludes working animals and dangerous dogs
• Must be in good health on the start date of insurance
• Aged between 8 weeks and up to 9 years (up to 6 years for some breeds)
• Must reside in the UK

Get the cover you need

It's designed to be flexible! Vet's fees cover is automatically included, up to the level you select, and our Helplines are included. Tailor the rest of the benefit options to suit your needs!

Essential policy:

Covers vet's fees for a maximum of 12 months treatment for each illness, injury or disease, up to £4,000 (per condition).

Advanced policy:

Covers vet's fees up to £6,000 (per condition) – with no time limit on reaching this amount.

Helplines

• Both policies include three Helplines:
• Find a vet helpline
• Pet Bereavement Counselling
• Legal Advice Line

3 Additional Cover Options

i – Additional Benefits
Advertising and reward if your pet strays, gets lost or is stolen - up to £1000 towards advertising and £200 for reward
Reimbursement if you lose your pet through theft, straying or death due to accidental injury – purchase price, up to £1,500
Pet boarding costs if you have to go into hospital for more than 4 days – up to £1000
Holiday cancellation cover due to loss, illness or injury of your pet - up to £5,000
ii – Third Party Liability
Legal liability should your dog cause injury to another person or damage their property – up to £2 million (dogs only)

iii – Overseas Travel Cover Extends the cover above for trips to countries included in the government's Pet Travel Scheme. There is no cover for liability arising under the laws of the USA or Canada. Also covers: • Quarantine costs • Loss of pet passport • Repeat tick and worming treatment • Emergency expenses while abroad. • Need more information? See our Policy Document

Link to previous articles: Direct Line Pet Insurance Travel Insurance: Claims information Direct Line Van Insurance: Legal Protection Direct Line Van Insurance: New improved Van Insurance Direct Line Van Insurance: Types of cover Direct Line Home Insurance: Legal problems & your rights

Direct Line Pet Insurance

Direct Line Pet Insurance deal : good deal that gets even better...

• We’ll be giving all customers that insure their pets with us before 31st December 2007 up to £20 towards the cost of vaccinations. If the price is less we cover the actual cost. The offer is redeemable within the first 12 months from the start date of your policy.
• Insure more than one pet and we'll give you a 10% discount
• We'll give you 12 Month's free membership of The Missing Pets Bureau
• Our pet insurance can pay your vet direct
• Your pet is covered per condition, so there's no restriction on the number of times you can claim

• Fixed one-off excess for each condition • If you're hospitalised, we'll pay up to £1000 for your pet's boarding costs Protect your pets andhelp the Scottish SPCA. Insure with us and we'll donate 10% of your premium to the Scottish SPCA (a good deal better from Direct Line)

Link to previous articles : Travel Insurance: Claims information Direct Line Van Insurance: Legal Protection Direct Line Van Insurance: New improved Van Insurance Direct Line Van Insurance: Types of cover Direct Line Home Insurance: Legal problems & your rights Direct Line Home Insurance: Family legal protection

Direct Line Travel Insurance Claims FAQ

Frequently asked claims questions:

Q:What kind of details and additional information will I be asked to provide?
Q: What is a Policy Excess?
Q: What service does the 24 hour emergency assistance offer?
Q: How will I know if my claim is covered by my policy?
Q: While I'm away from home, do I need to report any loss or theft to the police
Q: What should I do if my belongings are damaged or temporarily lost in transit
Q: What should I do if I need medical attention while abroad?
Q: What should I do if I need to return home urgently?
Q: What do I need to do in the event of a travel delay?
Q: Are there any organisations I can contact for counselling if I am upset by the incident?
Q: How long will it take to sort out my claim?
Q: Who will deal with my claim once it has been reported?
Q: What measures do Direct Line take to prevent fraud?

What kind of details and additional information will I be asked to provide?
It is essential you keep receipts, guarantees, instruction manuals, valuations or photographs of your belongings as these may help to support your claim.
We may also ask you to provide us with estimates or invoices for claims involving replacement of items or medical expenses.

What is a Policy Excess?
This is the part of the claim that you agree to pay - we cover you for the remaining amount up to the limit of your cover. Our Claims Advisor will inform you of the amount of the excess and details can also be found in your policy schedule.
We will deduct the amount of the Policy Excess from the settlement of your claim, or alternatively our appointed specialist or supplier will collect this amount from you on our behalf.

What service does the 24 hour emergency assistance offer?
When away from home, the unexpected always seems to happen at the most inconvenient time. You can call our emergency helpline service, which is operated in conjunction with Direct Line Assistance Service. You will need to select the correct number depending on your geographical location.
Both Direct Line Assistance Services are specialist providers who operate a 24-hour emergency assistance service. They are available at any time to discuss the nature of your problem and to provide specialist advice and assistance to you.

How will I know if my claim is covered by my policy?
Our Claims Advisers are fully trained and have an excellent knowledge of the policy cover you have arranged with us. Wherever possible, we will let you know during your first call to us whether your claim is covered by your policy.
It may help you to read through your policy details before ringing us to report your claim.

While I'm away from home, do I need to report any loss or theft to the police?
Yes, you should report any loss or theft to the police within 24 hours of discovery. In the event that you are unable to contact the police, a report should be made to either your tour representative, accommodation provider or carrier - for example the airline or ferry company.

What should I do if my belongings are damaged or temporarily lost in transit?
You should report any damage or temporary loss to your carrier (for example the airline or ferry company) and obtain a 'Property Irregularity Report' (commonly known as a 'PIR') from them. Please keep any damaged items for inspection.
If your belongings have been temporarily lost and you need to purchase any replacement items, please keep all your receipts as this will help us to deal with your claim.

What should I do if I need medical attention while abroad?
If the medical condition appears to be serious, you should contact our emergency helpline straightaway for advice and assistance. For any other medical treatment, you should pay any bills yourself and keep the receipts as this will help us to deal with your claim.

What should I do if I need to return home urgently?
In the event that you need to return home urgently - don't worry - simply contact our emergency helpline straightaway for advice and assistance.

What do I need to do in the event of a travel delay?
You should obtain written confirmation from the airline, train or ferry company, giving exact details of the reason for and length of the delay.

Are there any organisations I can contact for counselling if I am upset by the incident?
Direct Line, in association with Victim Support, can provide you with support when you need it the most. The emotional effects of a theft or loss can be difficult to deal with - you may feel angry, frightened or unsafe.
Most people suffer in silence, but you needn't - just sharing your thoughts can help. Together, Direct Line and Victim Support can help you pick up the pieces practically and emotionally.
Victim Support is the national charity offering victims of crime emotional support through trained volunteers and, if you need a knowledgeable and sympathetic ear, the service is available 24 hours a day.
Simply call the Victim Support line on 0845 30 30 900 or have a look at their web site at www.victimsupport.com

How long will it take to sort out my claim?
Some claims are more straightforward than others. When you call us, one of our Claims Advisers will give you an indication of the timescales involved.

Who will deal with my claim once it has been reported?
We have our own dedicated Travel Claims Unit, based in our Glasgow office.
The contact details are:
Travel Claims Unit
Direct Line House
14-18 Cadogan Street
Glasgow
G2 6QN
Telephone - 0845 246 8680
Fax - 0141 204 4754
Calls may be recorded

What measures do Direct Line take to prevent fraud? Our main aim is to ensure that our honest customers, which of course are the vast majority, are dealt with as soon as possible. However, we know that fraud is a reality and that a very small number of people provide false details in order to make up, or inflate claims. We believe that it is important that we identify these people and avoid paying such claims as they affect the cost of insurance for everybody. As fraud is a criminal offence, we believe it is our duty to forward details of fraud to the Police. There are a number of insurance industry databases through which we share information with other companies about claims and fraudsters. This allows us to use the latest technology to make many checks looking for unusual features and fraud. We also share some information about fraud with other companies within the financial services industry, the Police and other bodies where the law allows us to do so. These pages are for information purposes only. They do not form part of the contract of insurance. Insurance policies are subject to our normal underwriting criteria. Calls may be recorded. Max call charge from a BT landline is 3p per minute. Calls from other networks may vary.

Link to previous articles : Travel Insurance: Claims information Direct Line Van Insurance: Legal Protection Direct Line Van Insurance: New improved Van Insurance Direct Line Van Insurance: Types of cover Direct Line Home Insurance: Legal problems & your rights Direct Line Home Insurance: Family legal protection

Travel Insurance: Claims information

Need to make a claim? Direct Line is here to help you.

It is when you need to make a claim that you find out how good your travel insurer really is. You can be sure that we will deal with your claim quickly and fairly.

Call: 0845 246 8680

Lines open: 9am-5pm Monday to Friday

Out of hours? Call one of our 24-hour Emergency Helplines
Direct Line Assistance Service:

In USA & Canada call toll free:
1 877 350 6968


In Central & South America & Caribbean call collect:
(Canada) 905 816 2565


From anywhere else in the world:
(UK) +44 870 241 4628

Or in the UK: 0870 241 4628

Calls may be recorded. Max call charge from a BT landline is 3p per minute. Calls from other networks may vary.

Your step-by-step guide to making a travel claim

Before you ring us:

Please have your policy number ready - you will find this at the top of your policy schedule.

What happens next? • You will be asked to provide details of your claim by one of our friendly Claims Advisers. • We will advise you whether your claim is covered by your policy and the amount of any excess which may apply. • We will issue a claim form to you if necessary. • You may be asked to provide us with additional information to support your claim. We will explain to you what will happen next.

Link to previous articles : Direct Line Van Insurance: Legal Protection Direct Line Van Insurance: New improved Van Insurance Direct Line Van Insurance: Types of cover Direct Line Home Insurance: Legal problems & your rights Direct Line Home Insurance: Family legal protection Direct line Home Insurance Claims FAQ

Direct Line Travel Insurance

The good deal that gets even better...

• Every day in November we’re giving away one 160GB iPod classic. (Terms & conditions apply. )

• Single trip policies from £10.66 and annual cover from £48.25 (annual cover available to under 65's only)

• We cover children for independent travel like school trips

• One excess per incident (not 'per section' like some insurers)

• New-for-old replacements as standard (with the exception of clothing)

• Up to £250 total valuables limit to replace your stolen or damaged items

• Unlike some insurers, we cover your watches and sunglasses

• We also offer a 'long stay Backpacker' policy

Travel Insurance: Personalised cover Whether you're going away for the weekend or backpacking round the world, we've got money-saving cover designed to meet your needs. • Medical expenses abroad up to £5 million • 24-hour Medical Emergency Assistance – including repatriation to the UK from anywhere in the world • Optional sports and activities cover • Discounts for families and children • Baggage and personal money cover.

Link to previous articles : Direct Line Van Insurance: Legal Protection Direct Line Van Insurance: New improved Van Insurance Direct Line Van Insurance: Types of cover Direct Line Home Insurance: Legal problems & your rights Direct Line Home Insurance: Family legal protection Direct line Home Insurance Claims FAQ Direct Line Home Insurance: Insurance claim