April 1, 2019

Direct Line Multi Car insurance review

Direct Line Multi Car Insurance

In this Direct Line multi car insurance review the advantages and disadvantages of being covered by this insurance company will be stated for your review. This insurance company has been in business financially protecting motor vehicles in the UK for 30 years and is underwritten by UK Insurance Limited.

What type of polices does Direct Line Insurance offer?

They currently offer two different types of coverage for your vehicles. 

Third Party Fire and Theft Policy

  • This is financial protection to cover the medical bills and repair costs of the other vehicle if you are at fault in an accident.
  • Your vehicle is financially protected if it is damaged by theft or fire.
  • Up to £1,000 worth of protection if in-car equipment such as radio, TV, navigation system or telephone is stolen.
  • 24/7 emergency helpline available for assistance.

Comprehensive Policy

  • This is financial protection of both medical bills and repair costs of both vehicles involved in an accident that is your fault.
  • Uninsured driver promise is there to repair you vehicle if it is damaged by an uninsured driver.
  • No claims discount protected if the accident was not your fault.
  • Up to £1,000 worth of protection if in-car equipment such as radio, TV, navigation system or telephone is stolen.
  • Your personal property is insured up to £250 if your clothing or other personal items are stolen, damaged by fire or an accident.
  • If your windscreen, sunroof or windows need repair or replacement it is covered. Repairs have an excess of £10 while replacement has an excess of £75.
  • New car replacement is provided if your vehicle is stolen or written off after an accident if it is less than one year old and you are the original registered owner.
  • If your vehicle is under repairs by an authorized repair facility you will be issued a hatchback until the repairs have been completed or 21 days whichever comes first.
  • 24/7 emergency helpline available for assistance.
  • Personal accident coverage for up to £5,000 if you or your spouse is injured or killed getting in or out of the vehicle or when involved in an accident.
  • Hotel expenses covered for up to £150 if your vehicle can not be driven after an accident.

How does the Direct Line multi car insurance work?

Direct Line multicar insurance is a discount for those that have multiple vehicles financially protected by a Direct Line policy. Up to 10 vehicles can be listed on the policy for family members at the same residence. Every vehicle will have its own policy, of which all will have the multicar discount applied to the premium.

What is different with Direct Line multicar insurance?

Good Points

For first year policy holders under the age of 25 a discount is provided if a DriverPlus black box is installed in the vehicle being covered.

No Claims discount protection stays in place even after one claim is made.

Motor Legal Protection of up to £100,000 in legal costs if your case has a 50% of winning.

Good to Know

Similar to Tesco multi car insurance, Direct Line does not appear on comparison insurance website. To receive a quote you must contact them by phone or online.


The direct Line multi car insurance discount is easy to obtain for any household with more than one vehicle. As with all formal documents, read it in its entirety before agreeing to the terms.

This information is being provided free to the public by an independent writer. We do not endorse or dissuade the use of this insurance company and have not been compensated by Direct Line in any manner.

Get a range of Quotes

For quotes from Direct Line  go direct to the Direct Line website. Before doing that why not select the get Quote button below and view a range of the best multi car insurance on offer from other top UK insurance brokers.

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Eamonn Turley

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