Advantages Competitive, easy to deal with.
Disadvantages None I can think of.
Every year I trawl through insurance web sites getting quotes for car insurance, I have even been known to phone some of them for a quote, (I know, it’s an antiquated idea but I’m an old fashioned guy at heart) but for the last five years I have always came back to the one Insurance company, Direct Line.I have two cars on the road, a small Mazda 121 and a nice Mitsubishi Carisma GDI sport, one I use for ferrying my wife and kids about and the small one for work and general run about use so I need a comprehensive cover that won’t make me cry when the premium is mentioned.
Direct Line has consistently come up with one of the cheapest quotes for insurance that suits my needs; I won’t say they were the absolute cheapest, just one of the cheapest.Getting Insurance.
After receiving a quote online from DL you can either buy it online (usually with a small discount for buying online) or call them.
I prefer to call them as there is usually some questions I need to ask that are not covered by the online application.
My work necessitates the use of my vehicle at least once a day (I need my car to do some business for my employer) and they require a copy of my insurance certificate to verify that I am indeed covered for “business use”. DL added business use on one of my cars at no extra cost!Performance.
If you are unlucky to be involved in an accident that is not your fault, then a quick call to DL’s hot line number will get things rolling, a replacement vehicle will be arranged while repairs are carried out and they will deal with any negotiations involving a third party, no fuss means less stress and gets you back on the road before you know it.The same applies if you are at fault, DL will take care of all the legal stuff and all you have to worry about is your excess.
Cover.When you phone for insurance cover your documents are sent out first class and are effective from when you made the call, unless you state when you want it to start.
|Competitiveness of APR|
|Comprehensiveness of range of products|
|Efficiency of service|
|Value for money|
|Online - Content/organization of site||Good|
|Online - Reliability/speed of site||Good|
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