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Direct Line: Car insurance reviews

Name: Car insurance
Rating: 3.77 (356 reviews)

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3.65

Based on 356 reviews, last reviewed 10th Nov 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

46%

26%

20%

Latest highest rating:

5

Direct Line - Best Mix of Price and Services Direct Line were significantly cheaper than my current provider and after using several comparison sites, came out as the best combination of price an... Read more Reviewed on: 5th September 2025

Latest lowest rating:

1

They scammers. They scammers. Was traffic acccident I ts wasn`t my fault but they charge from me £100. Absolutely criminal and was very rude from phone Reviewed on: 10th November 2025

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About this product

Direct Line provides car insurance for UK customers.

You can choose between three Direct Line car insurance policies: Essentials – entry level cover, Comprehensive and the top level called Comprehensive Plus. Going direct is the only way to get windscreen and misfuelling cover as standard on all levels.

Direct Line car insurance reviews help you find out what it’s really like to be a customer. If you’ve used Direct Line before, you can also leave a review and share your experience.

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Direct Line Car insurance reviews (356)

Horrendous treatment

I was a customer of Direct Line car insurance for almost 20 years. I never had any claim during this period and I was a good driver. Last year a guy stopped to let me out of a side road and then he changed his mind and hit me. To cut a long story short we pulled over and then he accused me of pulling out of the junction without looking! He had no damage on his car and only a small scuff. I had no damage on my vehicle either. He called the Police and said I was threatening him???? It was obvious it was a set up and I got blamed for nothing. He subsequently put a claim against me. I told Direct Line what happened and also send photos of his car to prove there was no damage. To this day Direct Line never told me what he claimed for and I had to pay up and I lost my claims bonuses. Direct Line refused to fight for me and treated me like total dirt. I recently found out that they done the same thing to a friend of mine. This company is disgraceful and should be ashamed. Terrible customer service and acknowledgement of receiving emails. They want everything done over the phone and that's impossible when you need to send evidence. I left and joined Co-Op. They offered me cheaper insurance by £450 less and I was left choked by Direct Line for not even matching their quote. Sickening to the stomach. AVOID AT ALL COSTS!! BECAUSE YOU END UP PAYING FOR IT. Finally, I just received a letter asking for £11.35 for outstanding payment. I have no idea what this is for and find it disturbing that this company can chase a long term ex customer who's spent over £20k in premiums a measly amount of money. Reviewed on: 14th June 2020

Poor weekend service

I've been with Direct line before but switch most years to the cheapest provider. I am with direct line right now and I hit a deer last night (Saturday). I have reported it first thing Sunday morning but had to do it online as the call centre is closed on Sundays. I am supposed to have hire car cover and need to work tomorrow but as they are shut, nothing can be arranged. I could only contact an online chat representative who said he could do nothing to help. I am deeply disappointed by the lack of service on a Sunday, which is now going to cost me more money for losing a day's work. Reviewed on: 31st May 2020

I was assaulted an my car stolen and no help and blamed by direct line

Hi everyone This Direct Line Car Insurance they are not serious My solicitor it’s taking them to court I have been with direct line for more than a year and I have been their customer for several years I was trying to sell my Audi TT last week I advertised on a gumtree Someone asked to view the car to buy the car He asked to meet us at Chiswick where my friend lives The strange buyer tested the car and starting talking about negotiations Suddenly he pushed my friend to the ground and drove off The police arrived and after some questions just gave the crime reference number After that we called my direct line car insurance for help The direct line asked us all the questions and the day after they blamed us for let the keys on the ignition and therefore CAN NOT PAY for any losses I have told them that at any point or moment the car was not abandoned and was a planed assault So what’s the point to sign for a full comprehensive insurance fire and theft?? So this direct line insurance people that they are crooks and not helping at all I could get killed or stabbed?? You direct line I was telling you the truth and because of telling you the truth you are refusing to help me So people be aware of this direct line car insurance they are not good they will blame you In my all life I have never ever claimed for any theft or car accidents No consideration for the customers after you pay every month for your insurance when you need help from them you will get false accusations and instead of the the victim they will call you the fraudster Thank you Claims direct car insurance This it’s the way you are treating me as a criminal I have got my property insurance with this direct line I need also to cancel as I don’t trust them I do not recommend any one to deal with this insurance Regards E Barreto Reviewed on: 1st April 2020

Avoid if you value your sanity

Do not even try to get a quote from Direct Line Insurance if you value your sanity. Unfortunately, I realised the extent of dissatisfaction of their customers and potential customers when I read the comments of their customers. This was after I tried to get a quote from them and to my horror they declined to give me a quote! Then patronised me by saying that of course I can apply again when my circumstances change. When I asked them what circumstances had to change, their unbelievable answer was that their decision is based on their underwriting criteria and I was not allowed to know the factor or factors that resulted in their decision! In other words I can reapply when these factors personal to me which are secret to me change. No doubt any sane and reasonable person can see the ridiculous, unfair and stressful position forced on the unlucky people who try to get a quote from them. Whilst I accept that they have a right to offer insurance (Or not) to whoever they prefer, it is their total disregard for the impact of their decision on their potential customers and their refusal to concede that people should be able to ask on what basis a decision has been made that may have potential impact on their future insurance application. Reviewed on: 18th February 2020

Expensive

Expensive and considering leaving when it comes up Reviewed on: 2nd February 2020

Impressed

Received renewal notification for car insurance which was in the ball park of comparison sites, rang up and they not only matched cheapest quote but bettered it with a loyalty bonus. Well impressed. Reviewed on: 11th September 2019

Great service

Have been with direct line a couple of years and had to make a claim recently through no fault of my own. They where very reassuring and dealt with my claim very well. Would definitely recommend. Reviewed on: 11th September 2019

Amazing service

My car was smashed into whilst parked outside my house and the driver ran off after writing off two other cars in the process, the police wouldn't take my car and had the fire brigade move the car to the side of the road, I called Direct Line at 1am and they had someone come out to collect the car for me that night, they managed to repair it, and a few weeks later when another issue came up on the car I called, they had someone come out with a courtesy car for me while they took mine in to be looked at and fixed, when I took it to my garage they woudln't even look at it for 2 weeks and offered no courtesy car. Direct line really did offer a fabulous service and I'd love to use them again, if my premium doesn't go up too much EEEKK! Reviewed on: 10th September 2019

Super Easy Great Price

I’ve been with Direct Line before and left due to them hiking the price constantly. Checked back a year later and the price was very reasonable and better than any insurer through any comparison website. Also offer discount due to having house insurance Reviewed on: 4th September 2019

Good quote

Best renewal price compared with other insurers. Reviewed on: 1st September 2019

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