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This is a specialist page for Direct Line Home
insurance and buildings contents insurance. Disclaimer
The following details are not an endorsment of Direct Line Home
insurance or Direct Line Home Response; we encourage you to shop around
before you choose your home insurance provider.
Direct Line offer a 20 % discount for taking out a policy online. There
are four options to a Direct Line policy. You can have any of a combination
of Buildings, Contents, Possessions and legal Protection.
they also offer a Home
Response service for an emergency breakdown in your home
Direct Line Contents Insurance covers every non-permanent item in your
home, from furniture and carpets to valuables, electrical goods and sentimental
items – basically anything you would take with you if you were moving
out. Their Buildings Insurance covers the structure of your home and any
outbuildings, and is based on the cost of rebuilding your property.
Brief details of their policies below:
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 Direct Line's staff or by one of our panel of solicitors
until the issue of legal proceedings.
In addition, you can choose to add Accidental Damage option to your buildings
or contents cover.
When added to your buildings insurance, it covers accidental damage to
your home (e.g drilling through a pipe or putting your foot through the
ceiling while in the loft).
When added to your contents insurance, it covers accidental damage to
your furniture, carpets and curtains, and accidental breakage of your
ornaments
You can also take out the Personal Possessions option.
It covers your personal belongings (including money and credit cards)
against loss, theft and accidental damage outside your home and anywhere
in Britain or abroad (up to 60 days). So you’re covered when you
travel.
A confidential 24hr helpline manned by legal experts who can advise you
on any legal issue
Financial assistance up to £50,000 to pursue your rights, e.g. if
you buy goods which turn out to be faulty, if you are dismissed by your
employer without good reason, or if you slip and injure yourself on a
wet supermarket floor
Extra! Extra!
And if you want a little more security we’ve got lots of optional extras
that you can add on to your cover.
Direct Line's Family Legal Protection cover provides
you with valuable legal support 24 hours of the day. Our qualified staff
can give you confidential advice on any private legal matter and could
save you money on expensive solicitors' fees. Family Legal Protection
also covers up to £50,000 in costs per claim for employment claims, personal
injury claims, contract claims and property claims.
Or perhaps you’re a bit accident-prone and feel you could do with a little
more protection for those DIY disasters and all-too-frequent household
accidents? With our extra Accidental Damage cover, accidental damage to
items such as furniture, carpets and ornaments would also be covered.
Direct Line's third optional extra is Personal Possessions cover, which
will cover items, including cash, mobile phones and credit cards, that
you take outside the home with you, even if you’re away on holiday. So
if you’re off enjoying yourself you can relax knowing your valuables are
fully protected at all times.
For more information on the better deal Direct Line can offer you as
a Direct Line Home Insurance customer, they’ve provided a Contents and
Buildings summary table* for a quick and easy way to check what you’re
covered for in the event of loss or damage from causes such as theft,
fire, storm or flood.
Summary of Cover
Contents Insurance
|
Cover Value
|
| Loss or damage to contents caused by fire, lightning,
smoke, storm flood |
Up to contents sum insured |
| Office equipment in the home (i.e. computers, printers,
fax machines, photocopiers) |
Up to £5,000 |
| Valuables (i.e. jewellery, watches, furs, gold and silverware,
works of art, stamp/coin collections) |
Up to a third of Contents sum insured |
| Money in the home |
Up to £500 |
| Garden items |
Up to £1,000 |
| Freezer contents |
Unlimited |
| Accidental damage to electrical goods (i.e. TV, DVD
players, home entertainment systems, laptops) |
Included as standard |
| Locks and keys (replacements if keys stolen) |
Unlimited |
| Bicycles |
Up to Contents sum insured |
| Glassware (i.e. mirrors, glass within furniture, glass
surfaces, ornaments, ceramic hobs) |
Included as standard |
| Non-permanent fixtures and fittings (i.e. carpets, curtains) |
Included as standard |
| Visitors' personal belongings |
Up to contents sum insured |
| Alternative accommodation (Buildings) - following an
insured event |
25% of Sum Insured or £25k whichever is greatest
|
| Alternative accommodation (Contents) - following an
insured event |
£10k or 25% contents sum insured, whichever is greatest
|
| Contents temporarily away from the home e.g. for Student
belongings |
£5000 or 15% of sum insured (whichever is greatest) |
| Special occasions cover for family weddings and over
the Christmas period |
Automatic increase of insurance by £5,000 or 10% of
the sum insured (whichever is greater) from 1 December to 15 January,
and for four weeks either side of a family wedding |
| Damage or loss caused during household removal |
Up to Contents sum Insured |
Buildings Insurance
|
Cover Value
|
| Loss or damage to walls, roofs, driveways, patios, conservatories,
outbuildings permanent fixtures (e.g. kitchen, bathroom, fitted wardrobes)
caused by fire, lightning, smoke, storm flood |
Up to £1,000,000 |
| Damage to plumbing installation caused by freezing/bursting |
Included as standard |
| Glass in windows, doors and roofs |
Included as standard
|
| External door locks where keys have been stolen |
Included as standard |
- If stolen from the home, garage, shed or outbuilding, Pedal Cycle
cover and Personal Possessions cover are available as extras.
- Valuables worth over £1,500 each need to be specified.
11.07.
Details correct at time of publication. Terms and conditions can change,
this web site is not responsible for the publication of current policy
delails. Please check details before applying.... Disclaimer
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UK
