Direct Line for Business Insurance Review

Direct Line for Business Insurance Review

A direct insurer with solid customer ratings.

Good for

  • Good customer ratings
  • Cyber insurance is available
  • Award winning
  • No admin fees to make changes
  • Policy documents available online

Bad for

  • May be less suitable for niche or hard-to-insure businesses
  • Buildings emergency cover is outsourced and has some poor reviews

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Direct Line is a household name for consumer insurance, but is their business insurance any good? Customer ratings are mostly strong, but let's take an in-depth look at what real customers have to say, as well as checking out the types of cover on offer and the occupations they cater towards to help you decide if Direct Line is the best business insurance for you.

In This Review

Direct Line for Business Overall Review

With over half a million UK customers, Direct Line for Business can be a serious contender for many small business insurance needs. They have earned solid customer ratings from Reevoo (97% of customers would recommend) but are they right for you? Here's what you need to know, including data on which business insurance products they offer and what real customers have to say.

Note: we particularly like that Direct Line offers cyber insurance as cyberattacks are becoming a significant problem for businesses, and not all direct insurers offer this product.

In addition, they are one of only three direct insurers deemed to be a "qualifying insurer" to issue professional indemnity policies to chartered accountancy businesses (AXA and Hiscox being the other two).”

About Direct Line

In 2022, the Direct Line Group provided insurance to 9.7 million customers across motor, home, rescue, travel, pet and business insurance categories. Founded in 1989, Direct Line were the first UK insurer to offer policies over the phone, and is now one of the largest insurers in the UK.

In fact, the Direct Line Group insured 3,836,000 cars in 2022, which means the company insures 1 in every 8 cars you see on the road (there are 32,973,206 cars registered in the UK). Considering there are around 6 million small businesses in the UK and Direct Line for Business insured 928,000 small business last year, Direct Line for Business insures approximately 1 in 6 small businesses in the UK (15%).

Number of Direct Line Group In-Force PoliciesNumber of Policies
Rescue, Travel and Pet2,424,000
Direct Line for Business928,000

Types of cover available from Direct Line for Business

Direct Line is well placed to offer the insurance that most small businesses need; their offerings include the most common types of business insurance and you're able to pick and choose the ones you really need, and not pay for cover you don't. Here's what DIRECT LINE offers in terms of business insurance:

  • Public liability insurance protects against claims made by third parties (e.g., customers or members of the public) that your business caused personal injury or property damage.
  • Employers' liability insurance protects against claims made by your employees if they become ill or are injured due to their work for you. Direct Line offers £10 million protection for legal costs and compensation as standard.
  • Professional indemnity insurance is used if a client claims they've suffered a financial loss due to professional advice or service deemed negligent.
  • Legal expenses cover can provide access to and money to pay for professional legal support in case of contract disputes, debt collection and other tax and legal issues that can be a major headache for a small business.
  • Contents and stock insurance protects your a business's computer and other necessary equipment, as well as furniture and stock—from raw materials to finished goods ready for sale, etc.
  • Van insurance covers vans used for professional use, whether used to transport your own goods or if you run a courier business.
  • Building insurance protects your building premises if you own the property (otherwise this is your landlord's responsibility).
  • Business interruption insurance provides cover up to £25,000 for the cost of temporarily relocating and lost turnover if your working premises became unusable due to an insured event like a fire or flood.
  • Business car insurance covers your personal car if you use it for business purposes like driving to multiple places of work or to visit clients (but not for paid delivery work like being a courier or food delivery driver).
  • Cyber insurance can help with financial, reputation and systems recovery in event of cybercrime.
  • Tools and equipment covers tools and equipment for tradespeople with a possible fast upfront payment of up to £1,500. Cover for tools left overnight in a vehicle is available, but subject to an extra premium.
  • Contract works covers the cost of repairing or redoing work in progress that is damaged by an insured event like a fire, flood, vandalism or theft. Limits range from contract values of £750K (up to 5 workers) to £1M (up to 15 workers).

In addition, Direct Line offers other types of cover such as own or hired-in plant and personal accident.

5 reasons to buy business insurance from Direct Line

UK businesses have so many ways to buy business insurance these days—from comparison sites to brokers to direct insurers—you might be wondering if buying from Direct Line is the best and cheapest option for you. Here are a few perks of buying your business insurance directly from Direct Line:

  • Avoid the middle man. Direct Line insurance policies are underwritten by U K Insurance Limited. Direct Line is a brand name of U K Insurance Limited, so you're essentially buying from the company that also underwrites the policy.
  • Popular company. Direct Line for Business already has over 500,000 policyholders in the UK.
  • No admin fees to make changes. Pretty self explanatory, but it's nice to know that if you need to make an amendment like change of address that you won't be hit with an admin charge. (That said, keep in mind that your premium might change to reflect a change in risk profile if you make an amendment!)
  • UK-based call centre. Open 7 days a week in case you need guidance or advice, or have questions.
  • Award winning. Winner of the National Insurance Awards' "Commercial Lines Insurer of the Year" in 2020 and 2022.
  • Easy access to documents. Download your policy documents instantly (useful for showing proof of your cover to clients).
  • Direct Line promo code business insurance. Get 10% off if you're new to business insurance but already a Direct Line customer.
  • Price matching. Excluding van insurance, Direct Line will beat your business insurance quote or renewal premium from another insurer.
  • Flexible limits of cover. Because different businesses need different levels of protection (e.g., public liability from £1M to £10M).
  • Attractive monthly payment option: 0% APR on your monthly Direct Debit payments in the first year.

Direct Line for Business Customer Service Reviews and Ratings

Direct Line for Business Ratings & Customer Reviews
Trustpilot customer service rating4.5 out of 5

Is Direct Line for Business insurance any good? To find out, we've scoured through hundreds of online customer reviews to learn how customers rate their experience with Direct Line for Business insurance. Here's what we found:

Direct Line for Business Insurance Trustpilot

Direct Line insurance has earned 4.5 stars out of 5 at Trustpilot with 8 out of 10 giving Direct Line a five-star "Excellent" review. This rating is based on over 5,000 customers at the time of writing. Since it can still be useful to learn why customers are happy or unhappy, here is a sample of some of the reviews and complaints so you can decide for yourself if these experiences are relevant to you or not:

"Direct Line web site is easy to use for quotations and policy management. Competitive priced public liability and professional indemnity insurance. Fast and easy access (with call-back available) to courteous and helpful call centre staff."

"Easy to complete on-line form. Reasonably priced. Later amendment by telephone. Do not like speech recognition but once redirected did not wait too long to speak to a human who was most efficient and courteous."

"Was promised a manager call back within 24 hours. Still waiting."

"Ability to set up my tradesmen insurance using WhatsApp is very easy. Having said that I misunderstood one question which caused a slight difficulty which was entirely my fault. It was amended quickly and I am very thankful. I have been using DL for my tradesmen insurance for several years now and they are still really competitive and being able to tailor my business requirements ensures I am only paying for what I need. Many thanks DL. I can definitely can recommend your insurance services."

"I have had the unfortunate experience having to call upon the Landlords Emergency Cover and what a bunch of Cowboys that are handling it on behalf of Direct Line, suggest you keep well away from the cover..."

"We have been insured with direct line pub and club policy for around 10 years, we have never made a claim. They have increased our policy this year by 75%. They also do not pay out for business interuption due to covid! So after 10 years of paying, the first time we could make a claim we can't then they increase the policy by 75%."

"Have plumbing emergency cover, twice now when there has been a problem the plumber goes out, looks at it and doesn’t repair it. A leak has been going on for weeks with no end in sight. Also have been waiting three weeks for a response when requesting support for a Tenant in arrears, have now chased five times and spent hours on the phone. "

These comments and reviews are in contrast to the main Direct Line Trustpilot page, which boasts over 7,000 reviews and an average of 3.9 stars. We think that this discrepancy is due to complaining customers wanting to ensure their complaint is directed at the correct face of a multi-faceted business (comprising of multiple trustpilot pages including Directline, Direct Line Insurance Group PLC, Directline Insurance and Direct Line-Business), whereas happy customers will be satisfied leaving their reviews on the main 'general' page.

Regardless, the overall ratio of positive to negative reviews across all pages suggests to us that on the whole Direct Line customers are satisfied with the customer service level they receive.

How to Claim with Direct Line for Business

If disaster strikes and you need to submit a claim on your Direct Line for Business insurance, read these tips from Direct Line regarding how to limit damage and to contact Direct Line, here are the contact details for each type of business insurance product:

Contact information for Direct Line for Business insurance claims
General (e.g., public liability and employers' liability)0345 303 1753
Professional indemnity0207 648 1122
Cyber0345 303 1753
Legal expenses (open 24/7)0345 246 0018
Rent guarantee (open 24/7)0345 878 5024
Landlord emergency (open 24/7)0800 197 1016
Car0345 303 1714
Van0345 301 2882

Opening hours vary, although there is a 24-hour accident recovery helpful for van insurance: 0800 269 015.

What Professions does Direct Line Cover?

Direct Line will cover a wide range of trades, professional services and other occupations and businesses, including but not limited to:

  • Accountants
  • Bed & Breakfast
  • Caterers
  • Contractors
  • Dog walkers and groomers
  • Estate agents
  • Freelancers
  • Hair & Beauty
  • Home businesses
  • Landlord
  • Market traders
  • Offices
  • Retailers
  • Tradespeople
  • And more

The features of their tradesman policy are quite good, making them especially attractive for plumbers, electricians and other tradespeople.

Insurer appetite changes regularly, so if you are looking for terms it is always worth contacting as many insurers as possible just in case they are able to quote.

Who is eligible for Direct Line for Business insurance?

Direct Line for Business insurance is open to a large array of business sizes, from sole traders and self-employed people up to small and medium-sized businesses. If you would like to get a quote from Direct Line their website lets you obtain quotes online.

Erin Yurday

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.