Dial Direct

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Why choose Dial Direct car insurance?

Breakdown cover
Driving other vehicles
Uninsured driver promise

Dial Direct car insurance could be a good choice if you’re looking for fully comprehensive car insurance. There are two levels of comprehensive cover to choose from. Both come with a wide range of benefits included as standard, such as breakdown cover. And with the highest level of cover, Dial Direct Premier, you’ll also get motor legal protection included as standard.

Dial Direct puts a lot of emphasis on customer service. You can get in touch with Dial Direct car insurance by phone 7 days a week and through webchat. There’s also a 24-hour claims line. With Dial Direct’s strong digital setup, you can easily manage your account online as well.

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Who is Dial Direct?

Dial Direct is an insurance brand owned by digital insurance distributor BGL Insurance Group, which it bought back in 2001. Founded in 1992, and with just under 3,000 employees, BGL’s other brands include Budget Insurance and Beagle Street.

Peterborough-based Dial Direct also offers van and home insurance products, all of which are mainly sold through price comparison websites. As one of the UK’s largest insurance brokers, Dial Direct has served over 1 million customers, using a panel of leading insurers to create insurance packages.

Dial Direct is focused on premier car insurance, so its car insurance policies come with enhanced benefits as standard. It also aims to give excellent customer service backed by the latest digital technology.

Dial Direct car insurance policy details

Dial Direct offers three types of car cover – third party, third party fire and theft, and fully comprehensive car insurance. Customers can choose from two levels of comprehensive car cover, Standard or Premier, Dial Direct’s highest level of cover.

With Dial Direct comprehensive car insurance you get:

Courtesy car
Breakdown cover
Driving other vehicles
Uninsured driver promise
Vandalism promise
Windscreen cover
Driving abroad
Personal belongings
Child seat cover
Emergency transport
Medical expenses
Audio equipment
Personal accident
Replacement locks

All Dial Direct car insurance comes with breakdown cover as standard, giving you RAC Breakdown Assistance. This includes Dial Direct comprehensive car insurance policies and third-party cover. RAC will attempt to repair your car if you’re more than 1/4 mile from your home address. If it becomes necessary, RAC will take your car and up to 8 passengers to your preferred UK destination or home address.

With Dial Direct you're also covered for all third-party risks and accidents where you’re at fault.

If you’re in an accident, you can get emergency transport cover for you or your passengers, providing alternative transport and emergency overnight accommodation. You can also claim medical expenses for you or your passengers.

Plus, Dial Direct’s driving other vehicles cover means you could be insured to drive other cars as well as your own.

Dial Direct's comprehensive car insurance includes a wide range of additional benefits, including:

Personal accident cover can pay out if a car accident leads to death or permanent disability.
The uninsured driver promise means that if your car is hit by an uninsured driver you won’t lose your no claims bonus. And you won’t have to pay excess on your claim.
You can also claim for personal belongings in your car in the case of accident, fire, theft or attempted theft.
Childseat cover allows you to claim for replacing child seats.
Audio equipment can replace or repair your car’s audio, navigation and entertainment equipment, with unlimited cover if fitted by the manufacturer.
Replacement locks cover lets you claim if your vehicle keys or ignition device are stolen.
The vandalism promise covers damage caused by vandals.
Windscreen cover insures all your glass, including the front windscreen, side, rear window and a standard sunroof, less any excess.
You and any named driver on your policy are covered for driving abroad anywhere in the EU for up to 60 days.

Dial Direct car insurance optional extras

Dial Direct car insurance also gives you optional extras to suit your needs and lifestyle.

Motor Legal Protection* can pay your legal expenses if you’re in an accident that’s not your fault, allowing you and your passengers to claim compensation for uninsured losses, including personal injury. You can also use Dial Direct’s motor legal protection cover to claim legal expenses to defend yourself if you’re facing suspension or disqualification of your driving license.

*With Dial Direct Premier car insurance, its highest level of comprehensive cover, you get motor legal protection included as standard.

Guaranteed replacement car cover gives you a replacement car if your car can’t be driven because it’s been involved in an accident or stolen. You’ll get a car of similar size to your own for up to 60 days hire.

Keycare cover gives you £1,000 of cover for your car, home and business keys, including for when they’re lost, stolen, or locked in a building/vehicle. You’ll get access to a national network of locksmiths.