We have given Direct Line a rating of 3.7/5. Here we explain how we arrived at this rating and why Direct Line didn’t score 5/5!
Many organisations unfortunately do not reveal how they reach their rating. We are doing so because our aim is to provide you with as much information about pet insurance policies as we can and so you can make your own judgement.
Summary
| Policies | 3/4 |
| Benefits and Small Print | 2/3 |
| Renewal Premiums | 2/3 |
| Customer Satisfaction | 2/3 |
| Excess and Contribution | 2/2 |
| Total out of 15 | 11 |
| Star Rating out of 5 | 3.7 |
Policies
Direct Line do not offer any lifetime policies. The most comprehensive policy they offer is an £8,000 maximum benefit policy.
Benefits and Small Print
Direct Line’s policies provide cover for dental conditions caused by accidents or underlying illnesses but not for gum or tooth disease. They do not pay for any prescription food or euthanasia.
The death or loss benefit payable is based on the purchase price of your pet (rather than market value and/or use of a sliding scale).
In our opinion the small print is “clean” by which we mean we found very few other non-standard exclusions.
Renewal Premiums
We have not come across a significant number of reports of high renewal premium increases.
Customer Service
The reviews and surveys we have seen about Direct Line’s customer service are mixed. More about Direct Line’ customer reviews.
Excess and Contribution
The fixed excess is below average at £70 per condition. (The average across all pet insurance providers is about £75-£80). You do not though have to pay a percentage of the vet fees for pets of any age.