Home > Finance > Insurance > Car Insurance
You dont need a red phone to call DL 25 of 25 Ciao Users found the following review helpful
Rating from jimblob 5 Stars ()

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.

Talking to someone from DL is easy, their call centre is manned completely by Direct Line staff, there is no touch tone sequences to go through before speaking to someone, you just call their number and hey presto! your actually talking to a real person!
Without exception, every time I have called them I have gotten through within seconds and received a courteous and friendly greeting, any questions I ask are dealt with easily and promptly and the whole process is pain free.
The DL employee taking your call will inform you of all your consumer rights and will give you detailed information on how to make a complaint, should you need to. You are also informed of the fourteen day cooling off period if you do indeed enter into an agreement for Insurance cover, they are the only insurance company I have spoken to who verbally do this, most expect you to either know about this consumer right, or they expect you to trawl through all the small print on your agreement when you receive it through the post.

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.
They cover you to drive any vehicle not your own (with the owners consent, on a third party fire and theft basis) as a matter of course, so if your old dad asks you take his car to the garage you don’t need to phone for a cover note.

Detailed Rating

Competitiveness of APR
Comprehensiveness of range of products
Product package
Efficiency of service
Value for money
Online - Content/organization of site Good
Online - Reliability/speed of site Good
more

The Author

jimblob

Author's newest reviews

Rate this User Review

How helpful was this review to you? Rating guidelines

Attention, this is the first review from this author

Instead of giving a negative rating, consider:

  • Help this member by giving your advice

  • Report fraud (for example plagiarism) or other issue with the review to the Ciao support team

Activate low rating buttons

Add your comment

 Post comment  Post comment

JavaScript should be enabled to rate or post a comment.

Comments

Maybe you have a question about Direct Line Car Insurance? Ask here
Previous page Next page Page 1 of 6 | 1 - 5 out of 27 comments
  • MissTopaz 04/01/2005 15:24
    Rated this review as
    Very Helpful

    are these the guys who 'quote you happy!' ?

  • AnitaM 08/12/2004 00:31
    Rated this review as
    Very Helpful
  • the_evil_aku 27/11/2004 15:53
    Rated this review as
    Very Helpful

    Dl are going to take over he world

  • helencbradshaw 27/11/2004 13:28
    Rated this review as
    Very Helpful

    Ooh some claim horror stories! We have unfortunately had 3 car claims in the last year and 1 house claim and had no problems whatsoever, and I have always found their claims service following an accident superb and informative

  • helencbradshaw 27/11/2004 13:26
    Rated this review as
    Very Helpful

    I tend to stick with them too, for the last 12 years or so. I worked in their Glasgow office for a short period in 1992. I did try Esure for a quote on home insurance and they only undercut by 23p so I shall stay put!

Previous page Next page Page 1 of 6 | 1 - 5 out of 27 comments

More reviews

for Direct Line Car Insurance